Let’s get real—being young today isn’t easy. Even rich people have debts. But what about students who start adulthood at 18 with a loan like PTPTN? Is it a smart move, or a recipe for financial stress?
Some use PTPTN to invest in their future—like starting a side hustle as a wedding content creator. Others… well, they spend it on the latest iPhone just to keep up with friends. The difference? One brings long-term benefits, the other? Pure FOMO.
The PTPTN Debate
Mashi explains that loans are tools—how you use them matters. Take PTPTN:
If a student uses it to improve family life or invest in their career, it’s smart. ✅
If it’s spent on fleeting wants like luxury gadgets, it creates future stress. ❌
FOMO & Financial Decisions
Today’s students face immense pressure from social media. Everyone has the latest iPhone, a fancy bag, or designer clothes. Mashi calls this FOMO—Fear of Missing Out.
Her advice? Be mindful. Just because someone else has it doesn’t mean you need it. Budget smart, prioritize needs over wants, and avoid debt traps.
Budgeting Tips for Graduates
The classic 50-30-20 rule works wonders:
50% for commitments (including PTPTN repayment)
30% for leisure
20% for savings
For a new graduate earning RM3,000/month:
50% (RM1,500) covers commitments
If current obligations are RM1,000, the remaining RM500 goes to PTPTN repayment
Should You Delay Paying PTPTN?
Mashi explains short-term deferments can help stabilize cash flow, but long-term avoidance creates stress, harms credit, and may affect future generations.
Using KWSP or Other Funds?
Some graduates opt to pay PTPTN using KWSP or other savings. Mashi agrees this is fine if it provides peace of mind. The key is balancing repayment and wealth growth.
The Bottom Line:
Financial responsibility isn’t just about rules—it’s about mindset. Pay what you can, manage your cash wisely, and remember: your choices today impact tomorrow’s generation.
💡 Want to start your financial journey smartly? 💡
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Start investing wisely today—because building wealth early is always better than keeping up with the crowd. 🚀
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