Study loan repayment took almost 12% of my monthly net salary as a result from my studying diploma and bachelor degree in Private college few years ago. About 26% out of my monthly net salary needed to pay for housing rental, 27% for my wife allowance because she and my son live on different location due to my working location is too far from my hometown, another 27% is for the vehicle loan payment and another 8% is for the bill and utilities payments. Really less of it for my food portion. I was always planned to do part time but that is not possible since i am working full time at my current company and can not even become a part time driver because i still having P driving licence. My main intention to open this campaign is to get some fund to reduce my monthly commitment especially for my study loan repayment part. If that is possible because my total study loan at this moment is about 113K Malaysian Ringgit. That total amount of loan directly make me to just dump and forget my dream to further my study up to Master level. Well as a minority ethnic in this country, studying to the higher level means a lot for our small total population.