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Home » Reader question » Reader question: My Thai girlfriend says she has to pay back a lot of money to the state. Is that right?
Reader question: My Thai girlfriend says she has to pay back a lot of money to the state. Is that right?
Dear readers
My Thai girlfriend got her long stay visa since December 20th. She currently works as a kindergarten teacher in a small local school.
At the time, her studies were paid for by the state or with a scholarship and now, after 7 years of work, she will receive permanent recognition as a professional this month. She claims that if she wants to stop working, she must repay 270.000 baht to the state. Is this possible?
With kind regards,
Pascal
According to my girlfriend, you always have to pay back the entire amount that has been borrowed. So if you have borrowed 270.000 baht, you have to pay it back in full yourself. The employer (school) does not pay that back or anything, you just have to use part of your salary to pay off the student debt.
The payment per period -month- (you can always pay more off, of course) is based on your salary.
My girlfriend herself has not used a loan to pay for her education, but some friends have. He first paid in small amounts of a few hundred baht, but my girlfriend said that (if you have the money) it is better to pay off the entire debt as soon as possible (because there is a very small amount of interest).
So the question is actually how big the residual debt is (and what the government expects to pay as a minimum?) and therefore to pay this residual debt.
All this, the loan amount and the periodic expected payment must also be stated in letters from the government in which the student loan is explained.
270 000 baht = 6 750 euros, in how many years? If that is correct, a Thai young person must have quite a bit left over to continue his studies.
Here a three-year bachelor's training kindergarten teacher 400/500 euros per academic year (just googled it! With us, education is practically free, but many young people disdain further education. Painful.
I cannot confirm the amount, but I can confirm the refund of a scholarship to the Thai government. I have already written several times in News from Thailand about the many payment arrears and non-payments. If I understand you correctly, the scholarship will be waived if your girlfriend continues to work, but I have never encountered that.
Dear Pascal, I obviously do not know the amount to be repaid. However, your girlfriend's story sounds plausible. I think you can worry more about your relationship. If you have to use the internet to find out whether your girlfriend is cheating on you, something seems seriously wrong to me. Maybe you've read too many scary stories? Guus
This can certainly be correct, including the amount.
jef
Dear Pascal, of course check all papers how the debt is built up, how much exactly, how long to pay back, in how many installments, and especially important if a girlfriend comes to NL: make a payment arrangement with the relevant agency. If it belongs to the Thai Government, then such an arrangement is absolutely possible. Do not indicate in advance that you want the scheme because she is leaving for NL.
Also check how high the student loan was at the time, and how much she has paid off over the past 7 years as a worker. Plus: what is the importance of permanent recognition as a professional after 7 years, and why is she coming up with the blame now when there is an MVV?
Not for anything, but when my wife read your question, she burst out laughing!
Well, a warned man counts for two!
Success and strength!
It seems plausible to me that the state wants its precaution back if the goal is clearly not achieved, which is the case here. The state is really not going to give a scholarship as a gift. If, for example, you simply read all the conditions in the contract, you will certainly come across this option. Otherwise the state wouldn't have a leg to stand on either and you could even talk about arbitrariness?. Assume that this is not possible. The correctness of the amount is also stated in the contract or can be calculated from it.
Dear Rob,
My girlfriend has something similar. Works for the ministry of public health. Studied abroad at the expense of the Thai government, the amounts are 'slightly higher'. She has to work for the government for another 6 years in order not to have to repay the costs. I did understand that this should be paid back proportionally if she wants to stop working earlier.
I don't think this is correct. My wife also has student loan debt. She has been living in the Netherlands for six years and repays 2000 every year. So that your girlfriend has to pay back the amount in one go is not correct.
Tom you need to read better. Pascal's girlfriend does not say that she has to pay back the amount in one go. She says it is better to do it all at once because there will be a little interest on top.
The girlfriend's story is just right. And I want to say to Guus that I think it is very wise of Rob to check it out. Too many farangs are cheated by beautiful stories. And the fact that he's checking doesn't mean there's anything wrong with the relationship.
Adje, you confuse the questioner Pascal - who has a girlfriend with a loan - with me.
My girlfriend has no loan and never had one, she doesn't like debts and a loan (although she realizes that not everyone can afford a study without a loan, but that's not wrong or anything), she has a few friends who did borrow money for the study advised the Thai government to repay this as soon as possible. Those friends paid a few hundred baht a month and in various sectors (economics, education). My girlfriend therefore advises through me that the loan from Pascal's girlfriend is paid off asap. The remaining amount is evidenced by letters/documents from the government. Whether Pascal's girlfriend also wants to pay off in one go or as soon as possible is of course their own business.
As far as I understand, nothing is repaid through the employer, but who knows, is this arranged per contract with her employer? It does not matter either, somewhere on paper it is stated what the initial debt and residual debt are. It is quite a considerable amount so I can imagine that Pascal is shocked by that loan and would like to know about the repayment. That does not necessarily have to be distrust on his part, but just a matter of clarity. We certainly cannot judge whether the story of the loan is pure coffee, but only point out that letters must state what amount is still outstanding and further details. Pascal should be able to get by with that information (intens the amount), right? That is exactly what I stated in my first post.
Yes, that may very well be true. Many students do not have to pay back their tuition fees to the government until later. This if they have an income… if they don't, they will only get a postponement. My girlfriend has to pay back 25 thousand baht every year until the debt is gone.
Hi Rob. I don't want to chat but I want to let you know that I did indeed make a mistake with the name. I had seen it and immediately sent a response that wherever Rob was standing this had to be Pascal. Unfortunately, the moderator did not change the name, but also did not post that extra comment. Going back to Pascal's question. All the info you give him is correct.
Dear Pascal
I recognize that someone who studied in Thailand and whose parents could not afford it at the time.
My girlfriend also has such a loan with the government and now has to pay it back.
I have seen all the papers and also the amounts, there were initially 2 but we have them
linked together to get a better overview.
In total, when I was confronted with it, this was about 200.000 THB, she had already paid back everything necessary.
She still works in Thailand and not for the government, so she has to arrange everything herself.
She actually paid what she could spare each month, and you understand, that wasn't much.
So paying off that didn't make much progress.
Now I have decided to help her with this to give her a little more elbow room.
Every time I'm in Thailand I pay 25.000 THB (I'm there 2x/year) on that loan.
We then go to a special bank (I forgot the name) and then receive a proof of payment
and an overview of the remaining amount.
So your girlfriend's story could be true and I wish you further success. GR Peter
Dear readers, thank you all for your responses and certainly thank you to Adje, because it is indeed not because I do not trust my girlfriend, but the distance between us is very large and it also concerns a considerable amount of money, so let's check and double check is almost my duty and certainly not a form of distrust, if we had to just believe everything the Thai women say, half of this Thai blog would not have to exist, and believe me that the Thai women also have their own blog, true mainly writing negative stories about the farangs and their promises, I am still regularly asked by her that I do not want to sell her here for bad intentions.
I can already laugh about it when she asks me this but I think it will definitely happen.
thanks in advance for the many good and useful responses
I presume that you want to do the checking , not with the first insight or thought that your girlfriend , future or present wife would want to trick you! But as most think it is misunderstood than by her, at least when it is checked !
Is it true that she was cheated, you can't help but shoot, sure!
But still there are those things not plausible to us but existing in Thailand.
Good luck with the solution;