The National Higher Education Fund Corporation (PTPTN) loan restructuring initiative helps borrowers manage their debt through flexible repayment plans tailored to their financial capabilities. Borrowers can restructure their repayment schedules, extend their loan terms (subject to terms and conditions), and avoid legal action or bankruptcy. The initiative updates the borrower's Central Credit Reference Information System (CCRIS) record based on the new agreement and resets outstanding payments to zero, allowing borrowers to start fresh with a new installment amount. Natasya Nor Mohd. Nor, a borrower with over RM30,000 in outstanding debt, successfully restructured her loan and now pays a manageable RM171 monthly.
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