Study loan defaulters to be blacklisted

The student who dont pay their PTPTN will be named in CTOS system. By looking at this article, even PTPTN seek help from CTOS to make the borrower pay their loans.

Recent news that the Malaysian government did not authorized CTOS will make some of people who have named in CTOS systems happy. But the most important lesson from these two story that if you want to make a loan or even borrow from someone, make sure that you pay back what you borrow. If not, the banks will not give you a loan or you will have created a bad image of yourself to the lender.

If you think you cannot pay back what you borrow, then don't borrow or make loans at all.