Automatically translated.View original post

"Make a debt table for the rank compared to the system."

🙂🙂🙂 I see "the rank." It is the opportunity... the opportunity of many people who want to have a better future, I can finish school and have a job, partly because of the loan, which requires a lot of thanks. 🙏🏻🙏🏻🙏🏻

...... But when the day I tried to take responsibility for it, seriously, it was confusing. 😵‍💫😵‍💫😵‍💫

I pay the debt "exactly every month," never crooked, never broken, but when I check the balance... the app does not update, the web does not move, and where is the money I pay? The rank says "updating the system." Okay, I get it... but the word "power" has been a year. 😴😴😴

🤔🤔🤔 think about it... people who intend to pay their debts, but don't know how much they have left. Some people have paid it all, but the system still says it's still pending. It's not just confusing, it's not confident. 😥😥😥

...... In the end, I had to rely on myself to make my own "rest table," so I sat down and computed myself every month to really know how much we owed, not wanting to make it difficult, but not wanting to miss, not wanting to lose the opportunity because the system is not clear. 🥺🥺🥺🥺

........ I still believe that the A.D. is an opportunity, but a good opportunity. It should also have a trustworthy system, because people who intend to do it right should not have to spend on their debts like this. 🙏🏻🤔🙏🏻🙏🏻🙏🏻

# A rank # Pay debt # Payment of the rank # A rank online # Closed debt

4/28 Edited to

... Read moreจากประสบการณ์ของผู้ที่เคยใช้หนี้ กยศ. ผมเข้าใจดีว่าการติดตามยอดหนี้ในระบบออนไลน์ของ กยศ. อาจทำให้หลายคนรู้สึกสับสน เพราะบางครั้งยอดไม่ได้อัปเดตตามที่จ่ายจริง ทำให้ไม่มั่นใจว่าหนี้ที่เหลืออยู่เท่าไหร่ จึงแนะนำให้สร้างตารางชำระหนี้ของตัวเองแบบละเอียด ใช้ Excel หรือโปรแกรมตารางคำนวณอื่น ๆ เพื่อบันทึกวันที่จ่าย จำนวนเงิน และยอดคงเหลืออย่างชัดเจน โดยเริ่มจากการตั้งต้นยอดหนี้เงินต้นและดอกเบี้ยรวม จากนั้นบันทึกรายการจ่ายหนี้แต่ละงวดพร้อมวันที่อย่างละเอียด เพื่อใช้เป็นเครื่องมือในการติดตามสถานะหนี้อย่างใกล้ชิด และเปรียบเทียบกับข้อมูลจากเว็บไซต์หรือแอปพลิเคชันของกยศ. ที่อาจล่าช้าหรือยังไม่นิ่ง นอกจากนี้ การมีตารางชำระหนี้ส่วนตัวยังช่วยให้การวางแผนการเงินประจำเดือนได้ดีขึ้น เพราะคุณจะเห็นภาพรวมว่าแต่ละเดือนต้องจ่ายเท่าไร หนี้จะหมดเมื่อไหร่ และสามารถเตรียมตัวสำหรับการวางแผนชำระเต็มจำนวนได้อย่างมั่นใจ โดยเฉพาะสำหรับคนที่ต้องการปิดหนี้เร็วขึ้นหรือหลีกเลี่ยงการผิดนัดชำระในอนาคต ท้ายที่สุด การจัดการหนี้ กยศ. ด้วยตัวเองเป็นวิธีที่ดีในการเพิ่มความมั่นใจและลดความวิตกกังวลเกี่ยวกับหนี้สิน เพราะนอกจากจะเป็นโอกาสเรียนจบและมีอาชีพแล้ว ยังควรมีเครื่องมือและระบบที่โปร่งใสเพื่อให้ผู้กู้รู้สถานะการเงินของตัวเองอย่างชัดเจนและถูกต้อง

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