Dear PTPTN, PhD does not pay me a salary
Dear Malaysians, PTPTN and Ministry of Education, I humbly ask for your permissions to service my loan after I complete my PhD degree, please? I am a Malaysian, a third-generation Chinese, born and raised in Malaysia. Self-financing my PhD study in Higher Education Development Centre, at the University of Otago, New Zealand. Without the financial support from any institutions, I have to juggle between my PhD work and the financial stress of student fees, living expenses and the poor currency exchange. Such stress would not allow me to service my undergraduate study loan, a valid reason to support my application of delaying the payment. I received the approval from the National Higher Education Fund Corporation (PTPTN), although I was warned that the interest rate of the loan will continue to accumulate . I believe the key role of a Government is to protect its citizens. I had to count the blessing that I was reducing the chances not to be barred from travelling abroad. Tr...