Suggestions on repaying PTPTN loans

SO much has been said regarding the repayment of PTPTN loans and objections from borrowers, who give excuses about being unable to pay their loans. I have loans from universities and have paid in instalments as it is fair and dutiful to do so. I understand that it is difficult to repay if the repayment amount is big. So here are a few simple suggestions:

1. Pay back as a percentage of earnings rather than a fixed amount once employed. For example, 5% if one’s income is below RM2,000, 10% if income is between RM2,000 and RM4,000 and RM500 if income is above RM4,000. No one should be excluded. If 5% is still too much, then start as low as 2% or 3%. Everyone should start paying once they are employed.