Lucky I only need to pay most about RM10100 (after tax) to PTPTN. After a 3 years living and surviving with RM9,000 PTPTN. Im one of my few friends who receive 9K loan. And about several only receive 3K loan (which they are very rich). Mostly of my coursemates receive a full loan from PTPTN (which is RM 19,000 and after tax, is RM21,000). To be honest with the readers, I never have a chance to become a happy spender to the loan that given. Mostly it goes to UTM Bendahari to pay my fees every semester. My living cost was BORROWED from my parents which they bank into my accounts every 2 weeks in a months (RM200/week). I will pay it back to them one day. InsyaAllah.
"I have prove myself that I control the money."