Balancing Loans, Retirement Saving, and College Saving for ROL
Early Debt and Modest Beginnings Many Malaysian medical and dental graduates start their careers owing RM100,000–RM250,000 in student loans, whether from PTPTN, MARA, or personal loans. And while the title “Dr.” comes with prestige, your starting pay — especially during housemanship or compulsory service — hovers around RM3,000–RM4,000 per month, far from your future earning […]