Saturday, July 22, 2017

Antara PTPTN dan JPA (Part 2)

Hi  Assalamualaikum..


Have a beautiful day to everyone who reading this right now! I have go thru a deep thought to decide whether or not bout writing this post. It's because if I really want to share, I already did that for a couples years ago - sebab aku takut korang salah pilih. And I hope I really hit the 'Publish' button in the end and not to Draft as I always did. Hahaha.

My last post was on 2013, really cant believe its help people. So as promised here goes the third entry.

For me, it's never wrong to share you experience, not only the good experience but people also need to know your bad one so that people wont go thru the bad days like how you did!

Sorry for my English, so tujuan post ni, aku cuma nak tolong anyone yang pernah search macam mana nak stop PTPTN, macam mana nak pilih kalau korang dapat dua-dua pilihan tu? Aku cuma  nak tolong students or should i call you adik by now? Damn, I'm aging! yang confuse , im trying to help because i was there before, searching really hard, inbox people, drop comments to ask even i never know them, so lets me help you even it's just a small sharing...

I'm not going to write about their benefits...because I believe there are a thousand of websites about that. And in the end of the reading, you will get the answer "of course JPA is the best one! you dont have to pay them back!" "Kau bodoh ke nak tolak rezeki dah dapat scholar JPA, you are the chosen one! just grab that!"

Aku ex-student degree. Memulakan degree dengan dibiayai PTPTN. Sampai semester tiga, aku dapat surat, JPA aku lulus. Aku akan dapat scholar JPA bermula sem depan (sem 4). Tapi aku kena stopkan PTPTN. Tak boleh ada bertindih. Masuk sem 4 aku dapat dua-dua, sebab PTPTN cakap masa tu dia kena habiskan satu tahun untuk pengajian. Dia kira pakai tahun, bukan pakai sem. So habis 2 tahun pengajian, aku takkan dapat dah PTPTN. I go with the flow. Aku baca blog, websites, semua cakap grab JPA if you get it. So aku follow that step.

Setahu aku, seingat aku, (forgive me if i'm wrong - 3 tahun dah tinggal study), kalau you dapat JPA ni of course lah you punya result okay kan? PTPTN dah menjanjikan, kalau you grad with the first class, you dont have to pay them back. Part ni lah yang cliche bagi aku. Seminggu aku fikir benda ni. Dua kali aku call pihak PTPTN nak sahihkan benda ni. Kau rasa kau confirm tak kau akan grad 1st class? Dah tiga sem kau exam and got the results. Pada masa tu aku yakin 80% yang aku boleh grad 1st class. And yup, I got dean awards for all semesters & grad with 1st class.

So, ingat tak tadi, aku dah stopkan aku punya PT separuh jalan, dan untuk sem 4 ianya bertindih. Sekarang, aku dah habis study, i need to pay that amount back - amount yang overlap sahaja! Tapi dah dua tahun aku ulang-alik pergi PT, nak bayar balik, ingat ye korang, duit PT tu hutang, jangan hidup dalam berhutang. Aku nak bayar balik thats why aku ulang-alik pergi ofis dia, tapi sampai sekarang diorang suruh tunggu surat , for two years! and I never get any letter from them! So frustrated!

So, nasihat aku, kalau korang yakin korang boleh grad dengan kelas pertama, just continue to use PTPTN. Study smart, and change that loan to scholarship. Jangan tamak macam aku. HAHAHA.


JPA hanya start from sem yang korang ditawarkan tu, dia takde cover2 yang lepas. Boleh refer kat surat tawaran JPA :)


Tapi, kalau dah dari awal dapat JPA, jangan gegatal pulak pergi cancel and pilih PTPTN.
Dan, kalau tak yakin boleh grad first class degree, you can choose my path, cuma sem yang bertindih tu je kena bayar balik. Cheaper dari bayar semua sem kan.
Of course you cant have two sources in the same time!

Hope this entry help!
Yeay! I really hit Publish button!
Okay lapar, nak gi masak.


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