Don't want pay PTPTN la

Receive PTPTN letter today.
Full loan RM28k
plus RM4.2K(dunno what upah pengurusan +1%)
total I need to pay = 32.2K / 15 yrs / 12 months
Every month RM178.89 for 15 years.
As a good citizen,I won't want to run away from my responsibility
but I duwan to pay that amount for 15 years boh
It is like I start working at 25 years old,pay until 40 years old
IMAGINE THAT!

I've decided!!!!
I MUST GET FIRST CLASS HONOUR
and thus, waive the money legally!!!
Left 3 semester..
My CGPA = 3.50
In order to hit 3.7 by the end of my degree
I must score at least 3.8 to secure myself
(3.8x3+3.5)/4= 3.725

This semester 13 units
exclude ko-k, left 12 units core course
Within these 12 units, I can only get 2A-(3.67) and others MUST A(4.0)
so (3.67x4+4.0x8) / 12 = 3.89

No Turning Back
I want this deal!!!
Lord,please help me!!!!!!!!!!