PTPTN Loan

1 week ago, I received the 'reply card' from PTPTN Loan which purposed is to inform me whether my application is approved or rejected. Once i found the card at my house mail box, i felt very excited and immediately turn to the back to check which bullet they tick.

'reply card' from PTPTN Loan

Unfortunately, all the bullets are blank and I just feel like "Huh??? Then? Am I been rejected or approved??"

blank bullet with no tick

03/09/2008 once college's September session start. I rush to the loan department to find out why. Then the person incharge told me that I had been rejected and I have to settle the payment by myself!!! Aikz!!

The person incharge told me the most possible reason I had been rejected is because my duration period is not valid. The applicants who apply at the same time with me and the person incharge will know what was happening at the time we applied - Their policy was changed and we have to apply once again. It is time wasting!!! God!!!

Honestly, I really sick with this so call PTPTN Loan. Refer to my reasons below:

1. At the very first time i applied PTPTN Loan, it is for my diploma in XXX College in Sarawak, applicant need certify the true copy documents by the Minister/ Ministry, Penghulu, Pemanca and so forth who holding high and powerful position in the government sector. Because I am not local and I am so strange with this place so it is really challenging me but anyway finally I am able to get to the Minister of a secondary school with the help from my friend (It's really took time) . And of course i get the loan finally in Semester 3. Thanks a lot.

2. Although i get the loan but they din't cover the previous Sem's fees so what to do? I have to settle it by myself la! Haiz..

3. After completed my Diploma and of course that is my dream to go further to Degree so I continue my study at the following sem and same thing i applied PTPTN Loan once again which mean i need to go through all the processes as everybody applied during the Diploma ...(speechless) but after the result come out most of the Degree applicants who ever get their loan during their Diploma failed to get it for their Degree. I don't understand why? Don't the government said encourage their citizen to have higher education and then this is what they did.

4. When I apply PTPTN loan for my Degree, I am able to get a very kind help from dad of my friend whose cousin is a PEMANCA who is power enough to certify the true copy and I am so happy and have 100% confidence can get the loan. Suprisingly, few weeks after the loan department called and ask me to certify the true copy documents once again and it is better if i ask other else to certify it because the person incharge in the PTPTN Loan don't understand what is '' P.B.K., A.B.S., P.P.D." stand for and which area the Pemanca incharge in. OMG!!

5. I just felt that I have been cheated by the one who quarrantee me at the very beginning when she is trying her very best to persuade me to join the college. Why I said so? It is because at first she said we no need pay the tuition fees at the 1st sem but wait for the PTPTN Loan release and we can pay then (They give full loan). Who know the amount given totally did not cover the previous sems tuition's fees.

Now I am in sem 6 ( exemption given) and I have gone through 3 Sems (which tuition fees not settle yet. Reason: Wait for the PTPTN Loan result) And today I just wrote up a formal letter to the college management department to allow me to settle the payment which is by few installments.

P/S: Think carefully and ask clearly before make decision.