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@mjmotr1 Hi OP - there is some things missing from your post. You have about 3 loans and credit card debt. What did you purchase and why did you need the PL? Is there some expense you didnt highlight in the post? Your take home of about 1.3k seems manageable. I mean it’s not great but, you need...

@jijo022 Warning letter and legal charges. This is stated in their website FAQ. https://www.ptptn.gov.my/bayaran-balik/ (Number 3 at soalan lazim) If you are wanting pay a lower installment, you have to get it in black and white - restructure the loan. Cant just decide to pay less/‘minimum’ on...

@joppa11 PTPTN still charges penalty for incomplete payment for that particular month.

@allenkrookham I dont see why he need to delay payment. His commitment comes up to about 2.2k. He still has a good margin for cashflow. I dont see rent, so maybe OP is living with parents so rent not an issue. Dont delay payment for PTPTN. My colleague have gotten hefty penalty for delay...