Stop Pursuing Any Cert. with PTPTN if You Are Too Lazy To Study

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In my kampung, some so-called educated parents are insisting their kids to pursue any certificate from IPT, public or private, doesn’t matter it is a sijil or diploma or degree or whatever they name it. For some bright student like me (HaHaHa) scholarship could be not an issue. Furthermore, I am an ambitious one and my parents had nothing to worry about my studies (unless my CGPA :P).

But, there are students who go study for the sake of getting cert and to fulfill their parents’ wish, without any passion. This actually happened to my closest family member.

This guy went to an IPTS, supposedly to get a diploma. And even if it is a 3-year program for diploma, the cost is almost the same as what UTP-engineering-student has to pay. What la the college so expensive. And it was so easy to get PTPTN (I wonder why PTPTN is so generous. I tried to get PTPTN before, tanpa penjamin banyak ‘faedah’ :D. There’s guarantors la but just had to get 2 USM’s lecturers’ signature je).

Unfortunately, this guy was not as good as his parents thought. He neglected his studies, got himself a motorbike and until today, after 2 years of leaving the campus, he never graduates. No convocation, no certification from the college. Dunno whether he finished his studies or not. Sungguh misterius.

When the PTPTN sent the letter, he was jobless. And without the diploma cert., he got a job as an operator using his SPM one. With gaji yang sama banyak dengan what PTPTN asked, how to pay PTPTN?

Sangat sedih, if I were the parents, hmm.. I dunno la. I hope my kids will be witty enough to choose their path. If they want to study then please study hard because you’re not studying on your own money. Hutang maaaaaa. PTPTN summore, ‘faedah’nya banyak!

To my sedara mara I said, if you so malas to study, then don’t study. Because why, you’re not study on your parent’s money. Of course la if you’re not too good to get a scholarship, you’ll get PTPTN loan but it is a hutang remember. It’s not a free money lah. Tapi for budak2 that do not really know about the real situation, agaknya they take PTPTN as their father’s company. (Not to offense any PTPTN students).

Why should you stop studying after SPM if you don’t have passion?

  1. If you dunno what course you are taking & take is just for the sake of ‘getting certificate’. kang nanti orang ingat bodoh sangat pulak tak ada kelayakan akademik. Remember that you have to have a job to pay them back. If you take course yang tah apa2 but with high fees, later then if you don’t get any job (gaji) yang setara dengan your qualification, kan susah nak bayar hutang.
  2. If you feel malas belajar, or dismissed ke, you still have to pay to PTPTN. Kalau malas, awal2 jangan belajar or jangan amik loan. If your mother insists, ask her to bear your study cost.
  3. When no IPTA college offers you but berlambak IPTS college comes. Remember that IPTS costs you very very very the high amount of money, and the PTPTN interest is high. Some colleges.. I really wonder lah they are teaching people ke buat bisnes. My 4th bro wasn’t get any B pun, A apatah lagi, got an offer to do Mechanical Engineering at a private college with a confirm PTPTN. Apakah?
  4. The cost of taking PTPTN, is not actually bore by you alone. If you failed to pay it today, for your children tomorrow PTPTN might get the lessons. Maybe dah susah giler nak dapat loan PTPTN. You know la sekarang budak2 ramai yang pandai2. Even straight As pun berlambak. Ni pulak ada A+ lagi. If you make scene harini, and your adik-adik or kids tomorrow who get cukup2 makan je but eager to study, tapi takde duit… forget je la kan nak go to tertiary if PTPTN pun dah berkira.

I listened to Hot FM the other day, when they talked about PTPTN loaner yang tak bayar and stopped by LHDN from going abroad. I wasn’t sure what was the issue. A worker who goes abroad must be working with a multinational company, or government with at least at executive level. Why hard to pay the loan? My friends, a couple who used to study at UTP and both took PTPTN are struggle-ly paying their loan that cost them more than RM1k per month. For an ex-IPTA, I guess the fee is not as high as UTP, so why hard to pay back? If they can go to overseas, busuk2 pun they get some allowance la kan. Except kalau ke luar negara jadi buruh kasar/pembantu rumah…

I might cakap senang la sebab I didn’t take PTPTN LOL.

But, if I were the PTPTN, bila ramai2 pinjam & tak bayar2…. I would stop funding dah lah… Even now I have to pinjam duit from a private bank. Buat bisnes Ah Long lagi untung.

Kalau nak escape hutang pun bajet2 lah… bawak2 la beringat, hutang tetap hutang. Mati besok roh susah nak ‘berangkat’.

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24 responses to “Stop Pursuing Any Cert. with PTPTN if You Are Too Lazy To Study”

  1. MamaQaseh Avatar

    Betul tu..saya PTPTN loaner ex-UTPian..mmg le seksa gile nk bayar utang PTPTN yg banyak “faedah” nye. Lagi2 gaji saya yg x semewah mana nie. Bayar yg termampu..janji bayar..huhuhu…

    Saya pon byk ingatkan sedara mara yg nk masuk IPTS guna PTPTN..baik fikir 2-3 kali. kalo x menanggung hutang yg byk lepas grad nanti..

    B4 setuju amik PTPTN lu saya ada tanya my dad..mampu ke saya bayar bila dh kerja nanti?? masa tu umur baru 18thn ape yg saya tau sgt di alam pekerjaan nanti..My dad kata kuar jadi engineer gaji besar mampu bayar..Saya pon setuju je la..huhuhu..

    Rupenyer2 setelah terbuka minda ni di UTP baru sedar..sure seksa nk bayar nanti..dan mmg terbukti mmg seksa skang ni..huhuhuhu….
    .-= MamaQaseh´s last blog ..Qaseh Demam lagi =-.

    1. Tony Avatar
      Tony

      Hello MamaQaseh. I just got accepted at UTP but i’m not 100% sure if i can get any scholarships. My last resort would be PTPTN lah. May i know more about your experience on life studying at UTP whilst under PTPTN loan? (tuition fees/hostel/mkn-minum/etc) thanks..

  2. littlemama Avatar

    aah.. nasib baik la me time muda-muda genius..ha..ha dapat scholarship TNB pastu graduate time ekonomi meleset.. terus TNB release (tak payah kerja dgn dia walau dlm agreement kena ikat 5 tahun + tak payah bayar any single sen..ho..ho).

    masa me dulu mana ada PTPTN nih.. org yg tak dapat scholar boleh apply loan JPA.. masa tu ada pulak skim pinjaman komputer.. maka berlumba2 kawan yg dah loan JPa, ambik pulak loan komputer…

    bila dah grad, masing2 liat benor nak membayarnya… ish..ish
    .-= littlemama´s last blog ..Kisah Bola dan Tayar =-.

  3. mamamiya Avatar

    I borrowed from PTPTN & mula pay back according to their schedule. Its only lately I tak byr sebab I’m away & no income sendiri. Due to that I tak byr la. Baru2 ni my mom kata PTPTN send surat lawyer. Gelabah gak… So i hantar la surat to PTPTN explain my situation.

    Tapi yg i hangin kan, I got tonnes of friends yg tak pernah byr sesen pun duit kat PTPTN & tak pernah dpt apa2 surat. Apa ke hal la kan? I yg dok byr tu, kena surat lawyer while yg tak pernah byr tu takde kena apa2 pun. Chipan sungguh kan mgmt PTPTN..

    Anyway, back on topic pasal education. Mmg its a common prob utk budak2 now yg pursue higher education without knowing apa yg dia betul2 nak buat bila kerja nnt. Lagi prob kalau budak tu spesis ikut trend kawan2 & parents lak ikut trend nak anak belajar tinggi2. Last last bila dah grad or bila nak cari kerja tak tau nak buat apa…Tp yg lagi sedih kalau budak pegi belajar dgn parent bergadai harta & meminjam bagai, tp anak belajar tak habis.
    .-= mamamiya´s last blog ..Mama cut off Miya’s bangs!! =-.

  4. eliss Avatar

    eliss rasa orang yang tak belajar tinggi lagi selesa hidup dier skang sebab tak perlu fikir pasal hutang study…
    kalo dulu tau, tak payah apply ptptn..seksanya nak membayar balik..dulu budak2 lagikk..mana pk seksa kendian hari ni..hapuskanlah ptptn…membebankan sajer…
    .-= eliss´s last blog ..GOT BOOBIES? =-.

  5. hidaya Avatar
    hidaya

    long,
    camne nk beli trial pack shaklee ko tu?tak jumpe borang langganan pung.kalu ko pass kat husaband aku je leh tak. kat tower la mane lagi.aci tak aci tak?no hp ko berape ek?wanna talk2 la wit u.

  6. CY3.5 Avatar

    anyway, kalau ada duit, baik la bayar lumpsum.. saya pun takde amik PTPTN.. just tengok adik yg amik loan takat 5K, bayar bulan² RM50.. yg masuknya RM35 or less.. lain² tu jadik kos pengurusan.. tak tau la kan, takat klik² update payment tu cost up to RM15 🙂

    sudahnya my bro kuarkan duit simpanan, bayar lump sum.. kalau tak, tak tau la berapa tahun nak abis takat loan 5K tu saja..
    .-= CY3.5´s last blog ..Babai =-.

  7. isabelle Avatar

    betul tu. budak2 zmn sekarang kemain excited nak apply ptptn.
    belajarnye mcm taik. dgn malasnye, dgn plagiarism, dgn ponteng, dgn bad manners…haihhh…
    i yg kena byr rm10K (diploma nye loan) pun berpeluh2 nak byr…sib baik masa degree dpt exemption. hehehe
    .-= isabelle´s last blog ..Teka-Teki =-.

  8. fid Avatar

    syukran Ya Allah..aku tidak terlipat kancah PtpTN ni
    .-= fid´s last blog ..Geng pengembaraan bermula upin ipin bukan HERO =-.

  9. Hanz Avatar

    Me tarak PTPN loaner tapi F-A-M-A..hehe…patah hati, broken hearted when my chances to study kat land of Aussies for subject i love musnah di tengah jalan coz x dapat sponsorship, loan or whatsoever..so took the 3 + 0 programme in local college…in the end I’m not exactly working in that field…

    if your advise ni di baca oleh me say 10 years ago, i should rather listen to my hunch & proceed with things I love most! ART! I took biz coz Architecture x dapat but in the end I found myself bored & still enjoying Art…Sigh…Art is not something that my parents will say YES to it. So, the moral values of the story, look closely on your kid’s potential & encourage things they passionate about..u can influence them initially, in example, kalau x nak anak jadi penyanyi, janganlah sogokkan mata & telinga mereka rancangan menyanyi..in the end, it is their life, kan?
    .-= Hanz´s last blog ..[STICKY MODE] Chatterbox 1st Anniversary Giveaway =-.

      1. littlemama Avatar

        hanz, siannya hanz.. minat tak kesampaian.. so kat anak jgn duk paksa suruh jadi doktor kalau minat dia melukis.. macam iklan kat TV tu (lupa iklan apa.. insurance kot… anak ambik medic 3 tahun berenti sebab bukan passion dia…he..he)
        .-= littlemama´s last blog ..Kisah Bola dan Tayar =-.

  10. Along Avatar

    OK la…hal PTPTN ni memang sensitif sket bagi sesetengah orang…tapi Along rasa, sapa makan chilli dia yg terasa pedas. Ingat la, duit yg kita pinjam tu…kalau kita tak ambik, bleh buat peruntukan utk org lain yg betul2 mau belajar. Ni ada kes, dah ambik duit..fuyo, terus tukar IPhone…main 3G tak ingat…bill telepon dtg, terus terminate line, takmo byr…dah habis belajar, dah keje…buat2 lupa lak hutang belajar. Lepas tu marah orang pampang nama kat suratkhabar. Ketahuilah, nothing in life is free…takmo belajar, jangan ambik PTPTN…takmo bayar hutang, jangan berhutang in the first place.

    ps: Ni Along pun tengah kumpul duit nak sambung buat Masters next year, insya’allah. Byr duit sendiri, takmo hutang. Sementara tu, ikat perut sikit la..takpe, asalkan hidup x keliling dek hutang.
    .-= Along´s last blog ..Lagi-lagi Gambar Daria =-.

  11. anasfadilah Avatar

    i set up a college fund for my son.nuff said.
    .-= anasfadilah´s last blog ..*coaster to coaster* =-.

  12. farah Avatar

    erk saya tahu jerit payahnye nak bayar ptptn ni lagi2 kalau studi kat IPTS…lucky me dapat loan telekom tp sudah tukar ke skolar sbb kerja pon kat kompeni TM tp kena ikat la plak 9 tahun tu!
    .-= farah´s last blog ..Nasib baikla raya ade sebulan je.. =-.

  13. h4ni3 Avatar

    setuju.. kalau anak tak minat, jangan paksa2. encourage apa yg dia suka, set up bussiness utk dia. zaman skrg orang yg ada skill lagi senang nak hidup
    .-= h4ni3´s last blog ..Today is Mummy’s Birthday! =-.

  14. Azlin Azhar Avatar
    Azlin Azhar

    kudos to the parents yang beringat from sekarang!!! simpanla duit for children education awal2, memang bagus tak ajar anak2 berhutang…I’ve had so many friends yang bayar just RM20 per month to PTPTN, just to get the account bergerak…padahal they owed for more than 100K (gara2 ITPS punye fee) and should have paid RM500+ per month…ni semua OPRAH punya pasal, because she said government should have sponsored education for free….tataula, akhirat esok takkan nak jawab OPRAH suruh buat camtu?? neway, I have bro and sis yg belajar kat IPT yg tah hape2 ni because result SPM dulu tak berapa bagus(tah hape2 for me means swasta college yg tertiba di upgrade menjadi university dan perlu bayar RM5k sebelum masuk, and accept student with pangkat 3)…I opposed my parents decision utk enrol them into difficult courses, but biasala depa bukan dengaq…so pasni kalu adik2 flung, buleh la cakap “haaa, kan lin dah cakap dah dulu….”hehehehehe

  15. salzahari Avatar
    salzahari

    PTPTN awal2 dulu mtg sgt hampehs..we are the first batch! 1998.. setahu belajar pakai loan Kaka-Ba (Kakak Abg) sampai kata kalau 2nd year tak dpt apa2 loan (sbb i bongsu dan kaka-ba semua dah keja) takmo amik apa2! then terselit gak nama, dpt la…
    awal2 tahun keja mmg usaha nak byr tp sgt susah nak pi pjbt dia nun.. time tu kena byq direct, tade M2U/ LHDN/ potongan gaji. so mmg tak discipline!
    skrg dah keja gomen, after 2-3 years tunggakan (huhh..x settle lagi tunggakan itu) dah buat potongan gaji tp masih mcm x luak hutang tu disebabkan kos pentdabirannya (depa kena byq caj M2U, office rent segala kot…) mcm serupa tak byq! satu lagi, dpt result 1st class pun takde exemption apa2 (mcm reduce interest ke waive ke).

    sangat bosan….emm….betul…kalau rasa x mo belajar dan x mo cari keja, jgn pinjam yg long term leh jerat diri!

  16. qay Avatar
    qay

    thank God i just use PTPTN for one sem n then dpt scholar JPA..itu pun dpt half drpd org lain sbnya konon my dad pnya gaji dah bnyak tak boleh dpt full..kalo tak kopak juga aku nak mbayr bulan2….i set a trust fund for my son’s edu n hopefully i dnt have to take ptptn for him later on….

    my studnts pun ada yang dah abis duit beribu riban skli ms clinical final yr buat hampes n drop sbnya tak suka dgn clinical..hampes or wt?dia taktahu ke dia dah amik ptptn ribu riban n spend duit mak bapak dia bnyak mana then tggal less than a yr nak finish n grad n get a job as dietitian , drop out of the program..stupid or wat?thats our malay boys…tak pikir pnjng…

  17. mama balqis Avatar

    pikir baik2 sblm amik PTPTN. Sebbaik masa degree dapat pengecualian PTPTN. x yah bayar sesen pun. masa diploma saya guna biasiswa Pa&ma. skrag da tak payah pkir pasal hutang lagi…sape yg amik PTPTN tu blajar btul2 jgn main2…
    .-= mama balqis´s last blog ..Hari pertama bekerja =-.

  18. geeks Avatar
    geeks

    rate2 yang komen kat sini dapat sponsor jpa… orang pandai2 bleh la dapat..

    mcm mane ngn orng yng xbape nk pandai?.. mcm sye.. sye xmalas nk blaja, even saye studyhard mase kat universiti dulu..

    ptptn nih bagi saye mnolong orng sush mcm sye – 50%
    menyushkan saye – 50%

    saye dpt full ptptn stiap sem.. rm3500.. dengan duit tuh sye beli buku, lptop, blanjer mkn dan pelbagai lagi perbelanjaan lain untuk blaja.. dan duit tuh sye msti bdget spaye ckup smpai ujun sem.. family kat kg. xmembantu sebab adik2 lain pun sekolah..

    dapat jer keje.. gaji ngam2 2k.. 2k tuh adelah kasar… xtolak epf dengan socso.. so agak2 brape yang tinggal?…byk yang tinggal?… salah tuh… saye hantar duit ke kg., sewe umah, blanjer hari2, minyk motr, ptptn, bil2.. brape yang tinggal?… mnympn klu ade kes emergency..

    sye rse sngt2 bersyukur klu sye dapat jpa, sebab sye leh terus keje dengan krjaan, tapi bese lah.. orng2 jpa anak emas kerajaan.. senang nk dpt… dunie nih mane penah adil..

    anggap lah ni luahan emosi yang lame disimpan.. orng len xpaham pe pembayar rase.. ckp senang sebb hidup da smmangnyer mewah… cube bertapak dari kosong.. family xberkmmpuan..

    fikir2kan la… letakkan diri anda pade pminjam ptptn, mereka memerlukan ptptn tapi bukan pinjaman…

  19. fadzly Avatar
    fadzly

    best tajuk nih…yg kat atas nih sumer da kejer an…saya still study lagi..n kat iptA tempatan…
    lepas baca semua komen akak2 abg2 nih…kebnayakan sumer dr family berkemampuan….macam…biasiswa pama la..kakbang la..wut eva la…
    tp….kner ingat..x semua org senang…
    sy sokong geeks tuh…
    kalo orG susah macam kami nie… nak sambung blaja..
    nak dpaat jpa punyer susah..
    mara pun skrnag da x der duet..lepas tuker kementrian…
    kami kadang2 kalo pinter 3.5 poun still x leyh apply…
    sebab zaman skrg da ramai sgt org pandai..
    da x der cara laen..ptptn jer la dapat membantu kami…
    byr yuran beli buku sumer ader la tingal 4 rat survive untuk 4 months..
    lagi hidup kat bandar metropolitan nih… skali makan da rm 5…
    huhuhu…seksa hidup nie…x semua senang…
    but a little advice…..
    sesiapa pas nie nak sambng blaja…try la apply yayasan negeri masing…
    kalo loan pun byr byk tue gak..x der bunga2…
    hehehe…
    luahan mahasiswa…(n_n)

  20. mommy icha Avatar

    kerajaaan yg ajar rakyatnya berhutang

  21. ligaya pineda Avatar
    ligaya pineda

    bragging much?

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