PTPTN repayment, better lump sum for discount or slow?

Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodically offer settlement discounts (full settlement discount has been around 10 to 15 percent during promotions). So the two options: (A) full settle RM22k during a discount period, save maybe RM2k to RM3k, and clear the debt from your DSR which helps future housing loan approval. (B) keep the RM22k, pay minimum monthly, and invest the lump sum in something returning more than 1 percent (ASB, EPF self-contribute, index fund all beat 1 percent). Purely on interest maths, investing wins because PTPTN charge is so low. BUT two catches: PTPTN affects your loan DSR when you apply for a house/car, and there's discipline risk (will you actually invest it or spend it?). If you buying a house soon, clearing it helps approval. If not, keep paying minimum and invest. Don't rush to settle a 1 percent debt if you got better use for the cash.