Study in (u10) ones need to be flirty rich in order to pay for the fees for the whole course depending what course ones study. The approximiately the total cost for the course is around RM64k. As for those students which does not have a dad call Mr Lee Kah Sing, or a dad who own a mountain that have casino business there or even a nerd dad that like to play computer and con people money called Bill Gates, those student need to get a study loan in order to pay for their university fees. Usually those student is like those normal people where ones see in the street, their dad work their ass off selling char kuey teow or working like a dog as a white collar staff in the concrete jungle in this country.
As for the majority of the student in uni is belong to the latter group which once they enter (u10) they will take loan from ptptn, which estimated will get a full loan of RM64k plus 4% interest that will resulted the student need to pay back a rough estimation of RM80k++ once after their convocation. On the other hand, you can say that once a student have finish their study in uni, that day itself the student will be jobless and unemploy but carrying a huge amount of debt. The mathematical equation is easy :

• Graduate = Unemploy = Bankruptcy

As for the current economy status of the country, a local fresh graduate degree holder with no working experience, the job market will offer an approximately of RM 1500 - 1800 salary. The mention salary its before deduction of epf and sosco, after the both deduction a fresh graduate earning RM1800 per month will only get a net income of Rm1500 monthly. As for the payment back for the study loan is an estimated RM500 per month for 15-20years. For a fresh graduated student earning a nett income of Rm1500, paying back RM500 monthly to ptptn will be a big issue. As below i will list out the the total income usage for most fresh graduate:

• RM 1500 (Income)
• - RM 500 ( Car loan if the student buy a second hand proton wira)
• - RM 100 ( Handphone Bill )
• - RM 300 ( Rental for room)
• - RM 200 ( Petrol)
• - RM 200 ( Meal )
• - RM 200 ( Parent)

As you can see the income that a fresh graduate earn its not sufficient enough to cover the basic needs of ones human being because the list above just roughly focus on few important aspect of daily usage that does not included the money to pay for insuranse premium, road tax, grocery bills, water and electricty bill and etc. So i been thinking from the first day i graduate, how on earth i going to pay back the loan, since i am holding a degree but my life and earning in this country is just slightly better than the begger you see on the road. After much thought i have finally found out the main reason and i will going to say it here once and for all.

As in this blog, i have came across alot of you all have kept on mention about how good is the toilet in (u10), how clean about it, how convience about the toilet facility and so on and so forth. Actually the main reason for student failing to pay back their study loan, the toilet its the main culprit. I wonder if all the student have ever notice something wrong about the toilet. The toilet its clean and its stay fresh all the time, but even thought for the huge amount of money the student pay for the uni every sememster, the toilet paper in the toilet is damm low on quality and damm hard.

After four years of continuning shiting in the (u10) toilet and use the toilet paper provided in the toilet my asshole have become increasing unsmooth and rough. This is due to the surface of the skin have been constantly been rub by hard paper for a long period of time that sometimes even causes bleeding. As time goes by, the asshole skin will automatically become very hard and unsmooth. So the main culprit for graduate student unable to pay back their study loan its the cheap toilet paper provided by the management of the uni.

As i mention before, a fresh graduate enter into the workforce will only earn a roughly RM1800 monthly and the nett income after deduction will be approximately RM1500 which does not have suffience extra money to pay back the study loan. So if the fresh graduate does not earn enough income during 8am-5pm job, he or she need to find a part-time job at night to earn more income to pay for the loan. It's a very common and the most easier way of solving the big problem which its owning a big debt. So, since the country economic situation it in a very bad condition,the faster way for a fresh graduate to earn more money to pay off their loan its to work in Chow Kit Road at night (for male) as a ahgua or mak ngah or some called Pondan ( street language) selling their behind to those customers who like to play behind ( or in street language "belakang mali or broke back mountain). Its the same for the female also but they will need to sell their service in other places such as Bukit Bintang and etc.

Since most of the student have been shiting and peeing in the uni toilet and have been using the toilet paper provided in the toilet for at least 4 years in the a role, all their important part or some said "the money making instrument" have been all wracked and destroy by the low and rough quality toilet paper. Indirectly, mean that those graduated student can't work in Chow Kit Road and Bukit Bintang by selling their "money making instrument" to those customer that willing to pay a high amount money for this kind of service. This have resulted the graduate student unable to earn a highly income working at night in this entertaiment service industry to pay off their study loan. What a shame!!!.A good chances of making big buck but you cant earn it.

So as the conclusion of the story, the main reason for those who graduated and can't pay off their study loan, the lousy and low quality toilet paper is to blame. As the moral of the story, those junior study in the uni please remember to bring your own toilet paper to the uni and don't use the toilet paper provided by the uni. As for emergency case and you forget to bring the toilet paper along with, don ' t hesisate to tear your text book out to rub your important organ, if not you will regret for your life once you have graduate and can't work at night earning higher income at Chow Kit Road.....

Posted in Categories: Idiotic Posted by DUCATI at 11:34 PM