My child was born as an intra-uterine growth retardation (IUGR) baby. The doctors had advised us to always monitor her health as she grew. They were worried some of her organs might develop problems. In fact, when they induced her to be prematurely delivered, one of the doctors told me that they anticipated her to be born without limbs. I had nearly fainted.

But with God's grace, my child was born physically complete. Among my three children, she grew up to be the smartest. She obtained 5As in her UPSR exams, 7As in her PMR exams and 7As in her SPM exam. She did her matriculation and got clearance from the Ministry of Higher Education to study medicine in Indonesia, her childhood dream.

Me and my wife, who are both government servants, had already paid the initial payment of RM60,000 which is part of the total cost of RM200,000. For the balance, we applied for a loan from the Public Services Department (JPA). But unfortunately, JPA rejected our application.

Now I want to humbly ask JPA, is a RM150,000 loan request a very substantial amount, compared to the billions of dollars that have been abused in our country? The irony is that when we appealed, one of the officers had the cheek to say, 'If you all can't afford, why send her overseas to study medicine, just make her study any of the courses offered by the local universities'.

God willing, my child will one day become a doctor and serve the Malaysian rakyat. And she will definitely pay the loan installments once she starts working. All types of loans are given to bumiputeras and if there is a political connection, some of them can borrow millions of ringgit without the need to pay them back.

It is a well-known fact that some of the banks went 'kaput' after providing huge loans which later were declared non-performing.

Here we as loyal and high-performing (cemerlang) government staff are imploring for aid to allow their child to achieve her dream of becoming a doctor, but the relevant authorities are so inconsiderate that they don't even bother to consider the parents' long-term loyal service to the government.

Subsequently, we had no choice but to mortgage our humble abode to finance our child's education to see our IUGR baby beat all the odds and become a doctor. Though at a very high cost for we are paying a monthly payment of RM1,100.