Most of us are widely familiar with PTPTN, a government agency that aims to provide financial aids for tertiary education. For low-income families, this is the best alternative as realistically, not all students will be awarded full scholarships regarded of their eligibility or not. But the latest scheme by PTPTN will put a change of that old habit. The SSPN-i Plus is a new way of instilling a habit of saving, and to provide lesser burdens of student loans. Being too dependent on loans has an increased financial burdens in the latter life, thus this scheme aims to change that. The saving scheme allows account holders to deposit as low as RM 30 a month.