Every few months, this debate resurfaces within Malaysia’s personal finance circles. Most of the noise around this question treats PTPTN like any other debt, something to eliminate as fast as possible. But PTPTN is not like any other debt. Its ujrah rate of 1% per annum is, by a wide margin, the cheapest education financing … Continue reading I’m Thinking Of Paying Off My PTPTN Early & Did Some Research. Here’s What I Found