PTPTN

Out of all the loans i have now, which is not many that i can assure you hehe, the most troublesome would be PTPTN. hahaha.

but hey! i paid okay! every single month. so i hope i won't get blacklisted whenever i want to go anywhere. :)

well anyways i don't know much about how things work, all i know is that the interest is 3%. and i've heard rumors that they have plans to lower it down to 1%. and its finally here!

so. just go here to check on dates on when you can start applying:

http://www.ptptn.gov.my/web/guest/pembiayaan/tentatif-ujrah

and then go here to apply.

http://www.ptptn.gov.my/gateway/ujrah.jsp

i just did mine a few minutes ago. :) good luck!