In life nothing is free, PTPTN should and must remain

PTPTN = Pinjaman( Yuran Belajar + Sara Hidup)

(Me)

Those who do not like the idea of taking a loan for their studies are free to do so. They can source for other ways to fund their tuition. Just like everything else in life, you cannot expect a free pass from the government. You have to earn it by virtue of your academic and co-curricular excellence.

(Dr Kamal Amzan)

On the PTPTN loan, I totally agree with this post written by Dr. Kamal Amzan (source from TMI here):

PTPTN should remain

April 19, 2012

APRIL 19 — Those who do not like the idea of taking a loan for their studies are free to do so. They can source for other ways to fund their tuition. Just like everything else in life, you cannot expect a free pass from the government. You have to earn it by virtue of your academic and co-curricular excellence.

The same logic applies to housing loans, car loans, business loans etc. Just because your business is not doing well doesn’t exempt you from paying what you owe.

It is called responsibility.

PTPTN allows our students the freedom of choice between public and private tertiary centres. If our students feel like joining the so-many mushrooming foreign universities in Malaysia, but are unable to fund their course, PTPTN may just be the answer.

If they want to work, and study at the same time why not? They are not obliged to take up PTPTN.

The rich will not be affected, some of the middle class won’t, but the poor definitely will unless well, they are good academically . Given how the rural schools and teachers are equipped, it is my opinion that they will be at the losing end yet again.

Even with the implementation of minimum wage, can the rural parents afford tuition, books, stationery, living expenses in cities without PTPTN?

What if they have not one but a few children in the universities? With their income, education loans from banks are out of the question. The government? Let’s face it, no government can help all.

Settling some RM20 billion of the PTPTN bill is not the issue — the issue is whether the government can maintain the growth in the education industry without PTPTN?

Can the government afford to give out so many scholarships to all the straight A students of SPM and STPM? For now, we don’t even know how the scholarships are awarded.

Some mention Petronas money, but how long before the well runs dry and we scramble to find another way to fund our education?

What about those who do not qualify academically but merit assistance due to socio-economic disadvantages or their good co-curricular background? 

The issue is also whether our students who have agreed to pay for their studies and signed the contract should be given a clean slate at the expense of Petronas and eventually the taxpayers?

As Jahabar Sadiq of The Malaysian Insider correctly pointed out, what are we teaching them about responsibility should we abolish PTPTN, and whether the same applies to NFC, PKFZ scandals?

Should we wipe the slates clean for them too?

Our graduates are already choosy when it comes to applying for jobs; will they adopt an even more laissez faire attitude later with the abolishment of PTPTN?

The students must hold up their end of bargain, period, and the government their’s.

The government should start by ensuring only quality, up-to-the-mark tertiary centres exist.

Keep them in check, and ensure that the amount paid commensurates with the diplomas and degrees offered. Do not make the students pay more to these colleges than is necessary.

Tertiary institutions must imbue our students with the correct attitude, knowledge, and skills, so that they are equipped for the country’s demands upon graduation.

Colleges and universities with a bad immigration record, those that cannot produce employable graduates, or with poor feedback from industry players should not be made to receive PTPTN-funded students, or better still close them down.

And if all these attempts fail, allow those who have yet to gain employment a grace period providing that they show proof they tried to secure one. PTPTN should not be an “Ah Long” if the students have valid reasons for their unemployment.

Abolish the one per cent interest if you must, but do not do away with a system that has seen many benefiting from it.

There is nothing free in life, and students should learn this now if they want to shoulder greater responsibilities in this country of 28 million.

Politicians will offer everything under the Malaysian sun but Malaysians should be wise enough to see through such rhetoric. If something sounds too good to be true, it usually is.

We have enough irresponsible people around. Let us not make it into a national culture.

A responsible nation must begin with its citizens. A government that encourages otherwise is not fit to govern.

I say, Sesiapa yang mahukan PTPTN dimansuhkan tidak perlu ambil pinjaman, sesiapa yang sudah buat pimjaman sila bayar selepas dapat kerja. 

Ingat PTPTN = Pinjaman (Bayar Yuran + Sara Hidup)

Jangan jadi  maha tak kenang budi macam mamat-mamat dan minah-minah  saperti didalam gambar dibawah ini:

Source here