Yesterday I received a letter from PTPTN (where I got my study loan from), and they have asked me to start paying for the loan :O As far as I know, I’m exempted from paying it since I graduated with a first class honor degree, and I already applied for the exemption more than 5 months ago
I was a bit panicked actually since one of my office colleague (who graduated more than 2 years ago) received a lawsuit letter asking her to start paying the loan as soon as possible or else… this case will be brought up to court
So, last night I e-mailed one of their unit to confirm my situation. And this morning, thankfully they replied to my e-mail telling me that they have received my exemption request letter
They also mentioned that they will bring this up in their next meeting to re-confirm, let me know of the results later and the best part - just ignore the letter I received
I’m sooo happy. Because if I’m not exempted, I have this big total of RM11,000+ debt that I have to pay to them
I also have put up my photo gallery, which can also be found in the Lady section
I’m planning to upload more pictures soon.. and yes, customize my own layout for it, hehe 
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ajwa . Naj . Wawa . 24 . 131 days until my 25th birthday on May 18th . System Analyst . Malaysian . Dreamer . Worrier . Simple . Boringgg . but Laughs a lot . Gaining back her self-confidence . Mariah carey . David Archuleta . Michael Buble . James Morrison . Anuar Zain . Diddy . Farid Kamil . LP . BSB . *N Sync . Rascal Flatts . Maroon 5 . Green Day . Good Charlotte . Smallville . Charmed . One Tree Hill . Reaper . Matrix Trilogy . LOTR . Star Wars Saga . The Covenant . Tom Welling . Paul Walker . Steven Strait . Hugh Jackman . Josh Hartnett . Chad Michael Murray . Ewan McGregor . Natalie Portman . Cameron Diaz










PHEW…. lol! That would really suck if you had to pay it off while you were in school. :/ Your loans are the same, right? You pay after you finish your schooling?
I’m going to have to deal with student loans and stuff this upcoming fall. Hope everything is alright for you.
This just happened recently to my dad. It’s 20 something years later and they’re asking him to pay $5000 for his loan that he already paid. Ehh good luck on your exemption!:angel:
:cheery:I’d panic if that happened to me. lol. I’m glad everything’s ok now.
Cool gallery, by the way. 
naj, lucky you, exempted from paying the loan. how nice! i wish i could have graduated with a first class degree but right now it didn’t seem so likely.
Wow, good thing they actually looked into it for you. Nice to hear someone’s having some luck with their loans. Would have been a pain if they hadn’t listened to you. Congrats.
Hello najwa ka..
Your site a. is beautiful,
Sad to read this, studying at this level must be so hard, studying to make th emost becauseyou are scared.. omg omg omg what about the bill, mist be reallllllllly stressful
I love your site though, you so cute la
And.. Najwa is malay? I;m sure that’s an arabic name.. There is a arab singer Called Najwâ Karam.. do you know?
Well, beautiful site, keep it up!
Dakota ox
I know what you mean about student loans. It SUCKS. Actually.. I have no idea how much that is in american dollars, but I have over $50,000 US to pay off. That’s the price of a VERY nice car. Good luck with the exemption. That’s pretty sweet that you dont have to pay it yet.
Ack, I hate student loans
I’m so in debt already… like $100,000 in debt. Tuition is so costly these days and it’s only going to get more expensive
I’m glad it worked out for you in the end and that you don’t have to pay them off until you graduate. I hope you’re having a great weekend, take care 
First class honors? Thats excellent! But it’s also great that you got an exemption, so I’m glad it worked out in the end, and there was no need to pay the loans - hehe.
I love your layout btw, it’s sweet
That’s lucky that your were exempted from paying the loan. That would be horrible if you did have to pay it off.
I am about to take out a small student loan to get me through the rest of school and I amnot looking forward to it. That is a relief to find out you won’t have to pay it now and that it was their error.
Yay for photo gallery! I like looking at other people’s pictures.
I’m glad that letter was just an error. I know how much of a pain it is to tell those companies that they made a mistake. Loans are just no fun I tell you.
I love your Clex layout
oh wow! love this layout!

go smallville!
Oh God, I’d cry if I got a letter like that in the post that I wasn’t expecting. Good job they said to ignore it
Book-keeping is an art that apparently many haven’t mastered yet.
Good luck with that. I’m not excited about my loans either.
Goshh 11,000? That’s a lot!! I would of panicked if it happened to me.
loans are very stressful.
im hoping that I dont have to take out a lot of loans… its just going to make paying them back even worst than certain college experiences.
i would be very panicked if someone sent me a lawsuit too!
i love your layout!
its gorgeous to the max!
I love the site + the layout is awesome. It’s beautiful. I suppose you took the pictures? Whether you did or you didn’t, it’s still fantastic.
Oh..wow. Thankfully they have the letter. I’ve haven’t dealed with student loans yet..and I think I can wait.
Hey there!! I love your layout and domain name.
It’s a good thing that those people got your letter! It would really suck to have to pay a loan, especially if you have been exempted from it.
Hey hun I wanted to know what scripts you use for your stats..total hits..online now..etc. thanks mama.
What a nice site u got here! All the themes are so amazing!
Wow, 11k RM? that’s sounds like alot!
testing…
hello. ^^ glad that you are exempted! it’s really hard to be on loan because you pay for it monthly (well that’s the case here in the philippines). XD good for you!
toodles!
♥ nika
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