It's great that i got the letter from PTPTN which had change my interest rate from 3% to 1%. But the problem is... my employer need to deduct my salary every month to return the loan. This is so ironic... should i be happy for the conversion, or should i be sad that every month i will getting less money to spend?
P/S: For those who dunno what is PTPTN -- (PTPTN: Malaysia Study Loan)
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