My current study loan (PTPTN) has converted to Ujrah according to my parents. They actually converted for my behalf. There are two types of payment schemes for study loan: Conventional 3% and Ujrah 1%. I'll skip the technical part here.

I did a Google search about the difference of both and realized there are many people with mixed feeling for both. Majority I came about advised not to convert from the conventional 3% to Ujrah 1%.

After paying for close to 10 years only I started to dig information about the difference of those two payment option schemes.

I have already converted to Ujrah 1%. If you're under Ujrah 1%, it is not worthwhile to pay in one shot. To put it simple, Conventional 3% is like having a mortgage loan and Ujrah 1% is the hire purchase/car loan concept where you are servicing the loan in a fixed amount basis (interest included) until the loan is cleared.