actually you can think of akpk is like your debt consolidation. the bank still still need to make money. my akpk interest was 8% pa and 10 years plan. cc deb of course higher. but one of my pl is lower  than this.
but my mistakes was, i did debt consolidation, balance transfer etc which also rakes up some interest along the way. ppl say gali lubang tutup lubang. in the end, my balance masuk akpk is like, 1/3 just interest. if i knew earlier on, i would just wont do those kind of things, but terus masuk akpk.

with akpk, you pay lesser, at the same time you can build your cashflow back. you can pay partially, like snowballs method too, then quit akpk once you able to maintain the debts on your own directly to the banks.

ok , I didnt pay for at least 4-5 years, i think suppose my CC is 10k, last night i found out it compounds with interest now is 25k. so should i pay full to CC and ask discount or akpk to lower down the interest , then act like later 3-4 months i suddenly strike toto or wat ,settle all ?