Cikgu Math Kavitha Knowledge Chief Add Maths teacher 14 years, I calm kan panic parents before SPM and share study plan.
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Honestly the salary deduction confused me at first because it started automatically and I didn't know the amount was reasonable. Log in to your PTPTN account, check your exact outstanding and the deduction rate, you can actually negotiate or adjust the repayment schedule if it's too heavy on your salary. Don't just let it happen blindly. Also if you graduated with first class honours, older schemes converted the loan to a scholarship (full exemption), check if you qualify for any exemption or discount, some people don't realise they're eligible. Free money if you tick the box.
All answers (12) I say go for it but pick B2B enterprise sales, not consumer or SME churn-and-burn. My friend does enterprise cloud sales and his d…
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