Posted by Keith Hong > May 31, 2018 02:34 PM | Report Abuse
haha, please note charges for interest and admin fee will continue till you pay off.
still blacklist for imigration lift off but not ccris....
--> But inflation is more significant than the interest + admin fee. I think CCRIS takes into account of overall rather than one debt, so it won't harm.
One day, when your family member from younger generation cannot borrow, your are partly responsible for it.
--> If I save that up, I'll be able to afford their education. I don't know if I will stop paying but I am saying the way they treat this loan is telling the public that paying back is a foolish thing to do.
Yes loan must pay but you do not understands how they get there in the first place...i.e. if they unable to find decent job after several year...ptpn would required them to pay certain % backdated payment plus new installment..that is big amt for them....by then they already having family on their own etc. And how about if their job require them to travel...i.e. tour guide. I feel blacklist them from travelling overseas..is abuse of power and a lazy solution.
they should pay, either now in a small amount or later pay in big amount when they are earning big. Either way, encourage them to be a responsible citizen, not the lazy one and not dodge the loan which they took it with enough conscience of paying back. If you encourage them not to pay, in the future it will backfire on PH as they tend to switch to whichever government says they will waive it...now the national debt is already high so start paying.
Should have a system like AKPK, and fix some percentage of thier salary and make them to pay monthly. When US students graduate, they will work hard just to repay their student loan, and sometime it cost them hundred thousand USD. SO please, repay your loan.
Yes loan must pay but you do not understands how they get there in the first place...i.e. if they unable to find decent job after several year...ptpn would required them to pay certain % backdated payment plus new installment..that is big amt for them....by then they already having family on their own etc. And how about if their job require them to travel...i.e. tour guide. I feel blacklist them from travelling overseas..is abuse of power and a lazy solution.
---> then the solution should be restriction unless a business travel letter is presented.
PTPTN officers are not as cruel as how the public painted the image la, if you haven't deal with them, don't just jump to conclusion like they are akin to loan shark debt collectors.
If you never talk to them before & already jump to conclusion, it is very unfair to PTPTN. My experience with them was a pleasant one.
Just talk to them, they are not the unreasonable type and don't give the excuses for not paying.
PTPTN officers are not as cruel as how the public painted the image la, if you haven't deal with them, don't just jump to conclusion like they are akin to loan shark debt collectors.
If you never talk to them before & already jump to conclusion, it is very unfair to PTPTN. My experience with them was a pleasant one.
Just talk to them, they are not the unreasonable type and don't give the excuses for not paying.
---> I deal with a handful of them before, having sign my papers wrongly.. What can I say? They are more kind than NGO's volunteers. And I am not their race, in-case you assume there was racial-bias.
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davidkkw79
5,068 posts
Posted by davidkkw79 > 2018-05-31 13:28 | Report Abuse
Speechless....