Finally daddy agreed that I take up the PTPTN loan for my degree. I've been persuading him for the past few weeks and finally he said yes! Of course with mummy's help. Mom was on my side and also think that I should take up the loan to lessen daddy's financial burden and to learn to be a little bit responsible of my own education. Daddy's old and he 5 years past retirement age. Though he's still working, but he salary not as much as before and anytime he can be called to "rest". Hopefully my application will be aprroved.