{"id":812,"date":"2022-10-14T10:30:00","date_gmt":"2022-10-14T02:30:00","guid":{"rendered":"https:\/\/locumnet.com.my\/blog\/?p=812"},"modified":"2022-10-13T10:51:12","modified_gmt":"2022-10-13T02:51:12","slug":"jangan-biarkan-student-loan-menghantui-anda","status":"publish","type":"post","link":"https:\/\/locumnet.com.my\/blog\/2022\/10\/14\/jangan-biarkan-student-loan-menghantui-anda\/","title":{"rendered":"JANGAN BIARKAN STUDENT LOAN MENGHANTUI ANDA"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/locumnet.com.my\/blog\/wp-content\/uploads\/2022\/10\/loan.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/locumnet.com.my\/blog\/wp-content\/uploads\/2022\/10\/loan.png 940w, https:\/\/locumnet.com.my\/blog\/wp-content\/uploads\/2022\/10\/loan-300x251.png 300w, https:\/\/locumnet.com.my\/blog\/wp-content\/uploads\/2022\/10\/loan-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n<p>Hari tu saya ada buat kira2. Saya terkejut, uish, belajar medic, bayar loan bulan2 sampai RM 2,000. Patutla, byk perawat kesihatan kena buat \u2018side job\u2019 untuk cover kos ini dan kos mendatang.<br>.<br>.<br>Sudahlah belajar lama, keluar2 loan nk kena bayar mahal. Saya amat kasihan dengan siapa yang terjerat dalam isu2 ini. Patut lah makin ramai membujang, hehe. Sebab, dengan pengalaman yang saya ada, saya boleh agak-agak berapa yang tinggal dalam poket anda setiap hujung bulan.<br>.<br>.<br>So disini, saya share kan mungkin beberapa cara untuk atasi masalah2 anda.<br>.<br>.<br>1. Buat lah Locum bila boleh<br>Disamping menimba pengalaman yang lebih, anda juga dapat income yang lebih. InsyaAllah sedikit sebanyak boleh membantu anda. Cuma kena jadi locum yang bagus, jgn buat ikut tangkap muat je. Kalau nk tau mcm mne nk jadi Locum yang bagus dan disukai ramai, join lah training Locum Net. Hubungi kami naaa.<br>.<br>.<br>2. \u2018Pecut\u2019kan Peningkatan Nilai Anda<br>Sekiranya anda nk jadi pakar, cepat2. Jangan lengah2. Jangan jadikan halangan sebagai alasan. Xtau cara, bertanya pada senior atau org yg dah lama dalam industri. X semestinya HLP tu guys.<\/p>\n\n\n\n<p>Kalau nk buka GP, Dental Clinic and etc, cepat2 cari ilmu berkaitan. Masa training mcm houseman dah boleh start dah.<br>.<br>.<br>3. Dapatkan bantuan kewangan<br>Ini mcm paradoks sikit dan saya bukan nk beri nasihat kewangan. Tapi banyak juga bantuan2 luar sana yang berikan 0% interest terutamanya nk belajar. Pokoknya, anda kena lepas training dulu. Memang anda akan tertanya, abis dah bayar loan mahal, nnti lg mahal la? Ada cara2 dia, kuncinya anda kena tahu lepas sambung belajar tu gaji anda berapa selepas itu\u2026<br>.<br>.<br>4. Refinance or Restructure Loan<br>Dalam dunia finance ni, ada banyak mazhab. Saya lebih cenderung kepada kepentingan cash flow positive dan baki yang banyak. Kerana di situ terletak power of leverage.<br>.<br>Jadi, klu gaji sangat sesak, mungkin boleh cari cara nk restructure or refinance. Kerana saya yakin, kebanyakan perawat kesihatan merupakan orang berkemahiran dan mudah mencari kerja berbanding org lain.<br>.<br>Bak kata rakan saya, x usah lah bincang pasal masa depan, klu hari ni kita akan mati.<br>.<br>.<br>Banyak je cara lain, tp saya lebih cenderung dengan anda tidak lari jauh dengan pembelajaran yang anda lakukan past 3-5 years. Kerana at least, itu unfair advantage anda berbanding 18 juta pekerja diluar sana.<\/p>\n\n\n\n<p>Dr Ahmad Fakhri<br>For Betterment of Healthcare Workers&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hari tu saya ada buat kira2. Saya terkejut, uish, belajar medic, bayar loan bulan2 sampai RM 2,000. Patutla, byk perawat kesihatan kena buat \u2018side job\u2019 untuk cover kos ini dan kos mendatang&#8230;Sudahlah belajar lama, keluar2 loan nk kena bayar mahal. Saya amat kasihan dengan siapa yang terjerat dalam isu2 ini. Patut lah makin ramai membujang, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[58,57],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/posts\/812"}],"collection":[{"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/comments?post=812"}],"version-history":[{"count":1,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/posts\/812\/revisions"}],"predecessor-version":[{"id":814,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/posts\/812\/revisions\/814"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/media\/813"}],"wp:attachment":[{"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/media?parent=812"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/categories?post=812"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/locumnet.com.my\/blog\/wp-json\/wp\/v2\/tags?post=812"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}