Nearly two-thirds of undergraduate students graduate college with some debt. Are you one of them? For myself, yes I am (not proud though). No option for me as I've reached over the range to apply scholar (that time). So, the only option was PTPTN. When our education can be easy (and cheap)? Undergraduates from Malaysia Government Universities also known as exam oriented students (memories just everything without knowing how to practice it). True? You can answer that.
:: i rest my case ::