Kuala Lampur, Dec. 11 -- We should just rename the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) fund. Quit calling it a loan. Seriously.

PTPTN or Malaysia's National Higher Education Fund Corporation provides education loans to Malaysian students but loan repayments have been notoriously non-existent.

Recently, I read about Prime Minister Anwar Ibrahim's decision to scrap the PTPTN loan waiver for exemplary students.

Like most folks, I felt a little bad for those burning the midnight oil for top-notch grades. It's even worse if these students come from struggling families who (financially) planned for the loan exemption due to, say, the student getting a 1st Class Honours.

However, two things sprang to mind which affected my s...