PTPTN's RM32 billion unpaid loans have raised concerns, with some questioning why action wasn't taken sooner. While the agency has recovered RM39 billion, the growing debt of over RM32 billion is troubling. One potential solution is suspending funding for courses with repayment rates below 50%, though this could unfairly impact students who are paying back their loans. 

The larger issue seems to be a cultural belief in "free education," where many students feel entitled to loans without a responsibility to repay them. This creates an unfair system where some families pay their loans while others avoid repayment.

Two possible solutions include:  

1. Requiring students to settle their loans before receiving their degree.  

2. Encouraging employers to tie hiring, promotions, and bonuses to loan repayment, fostering financial responsibility among graduates and benefiting the nation."