One of the worst decision i have ever made:
To offer my FREEDOM to PTPTN in exchange of MONEY.
They are just like some loan sharks except that they are legal in every way.
It's a never ending story of paying the debt.
The kos pentadbiran itself is RM56.88 every month.
RM682.56 every year. When you pay RM200, you only pay RM150+- for the ACTUAL loan you've taken.
I was a student at that time. I didn't know a lot about financial management. I didn't know a lot about debt. So today, at this moment. I'm going to make a decision as an adult. A working matured adult.
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