PTPTN online is not effective!!!!

I really agree with all of the comments and points of view of the others. I had a terrible head ache when i am filling the ptptn form. There were a lot of information that we have to give and the system is very slow. I also faced many problems and difficulties during the online application. So, i have to ring the ptptn to seek for their help every time i have a problem. Sometimes, i feel that i want to give up and do not want to apply the ptptn loan. But, i can't do so because i'm having some financial problems. However, thank god. As a dental student i got the jpa which is more effective and easier to settle all of the requirements. Last but not least, i think the application using omr form is easier and time consuming.
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