{"id":7458,"date":"2025-06-02T08:14:06","date_gmt":"2025-06-02T08:14:06","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=7458"},"modified":"2025-11-17T03:07:08","modified_gmt":"2025-11-17T03:07:08","slug":"penyatuan-hutang-vs-akpk-malaysia","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/debt-consolidation-vs-akpk-malaysia\/","title":{"rendered":"Haruskah Anda Memilih Konsolidasi Hutang atau AKPK untuk Bantuan Hutang di Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7458\" class=\"elementor elementor-7458\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242ca847 elementor-widget-laptop__width-initial xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2025-06-02T08:14:06+00:00\">\n\t\t\t\t\t2 Jun 2025\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2025-11-17T03:07:08+00:00\">\n\t\t\t\t\t17 November 2025\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tShould You Choose Debt Consolidation or AKPK for Debt Relief in Malaysia\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span style=\"font-weight: 400;\">Rising debt is becoming an increasingly serious concern in Malaysia. Many individuals are facing growing financial obligations from credit cards, personal loans, and unforeseen expenses. According to a <a href=\"https:\/\/www.akpk.org.my\/akpk-over-50000-youths-debt-due-credit-cards-loans-worth-close-rm2b-total#:~:text=The%20National%20Credit%20Counseling%20and%20Management%20Agency%20(AKPK)%20reportedly%20said%20it%20found%2053%2C000%20youths%20aged%2030%20and%20below%20are%20under%20debt%20worth%20nearly%20RM1.9%20billion%20in%20total.\"><strong>2024 report<\/strong><\/a> by the Agensi Kaunseling dan Pengurusan Kredit (AKPK), over 53,000 Malaysians aged 30 and below are burdened with nearly RM1.9 billion in debt.<\/span><\/p><p><span style=\"font-weight: 400;\">Fortunately, Malaysians now have access to a range of solutions to manage and reduce their debt, including expert debt consolidation services and the government-backed AKPK\u2019s Debt Management Programme (DMP).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">This article compares expert debt consolidation service and AKPK, highlighting their differences, benefits, and limitations to help you choose the best path toward financial recovery with the guidance of IBPO.<\/span><\/p><h2>Key Takeaways<\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt consolidation combines multiple debts into one manageable loan with potentially lower interest rates and flexible repayment terms ideal for those with stable income and fair credit scores.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AKPK\u2019s Debt Management Programme (DMP) offers free, government-backed debt restructuring, helping individuals in financial distress negotiate better repayment terms without taking a new loan.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose debt consolidation if you want a private, faster, and more flexible solution that can simplify your repayments and reduce interest over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose AKPK if you are struggling with multiple unsecured debts, need structured guidance, or do not qualify for new financing.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IBPO Group Berhad provides expert consultation to help evaluate both options by offering impartial advice, tailored solutions, and AI-powered support through ANIKA, Malaysia\u2019s first financial consultant chatbot.<\/span><\/li><\/ul><h2><b>Understanding Debt Consolidation in Malaysia<\/b><\/h2><p><a href=\"https:\/\/www.ibpo.com.my\/debt-consolidation\/\"><span style=\"font-weight: 400;\"><strong>Debt consolidation<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> is a process where multiple debts are combined into a single, larger loan, usually with a lower interest rate and more manageable repayment terms. Rather than juggling several bills each month, you make a single payment to one lender.<\/span><\/p><p><span style=\"font-weight: 400;\">In Malaysia, various banks and licensed financial institutions offer debt consolidation loans. These include personal loans specifically for consolidating debts, credit card balance transfers, and <\/span><strong><a href=\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/\">refinancing secured loans<\/a><\/strong><span style=\"font-weight: 400;\">. The key advantage of debt consolidation is the potential to reduce monthly payments by spreading the debt over a longer period, making it easier to manage.<\/span><\/p><h3><b>Benefits of Expert Debt Consolidation Services<\/b><\/h3><p><span style=\"font-weight: 400;\">Choosing expert debt consolidation services provides several advantages:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Simplified repayments: Rather than dealing with multiple creditors, you only need to make one monthly payment.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower overall interest rates: Especially compared to credit cards and high-interest loans.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential improvement in credit score: Consistent payments can rebuild your credit profile.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible repayment terms: Packages can often be customised based on your financial capability.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private and discreet process: Unlike public programs, your financial situation remains confidential.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Many debt consolidation companies also provide personalised financial advice to ensure you find the best solution for your situation.<\/span><\/p><h3><b>When Debt Consolidation Loan Might Not Be the Right Fit<\/b><\/h3><p><span style=\"font-weight: 400;\">Debt consolidation loans may not be suitable for everyone as there are a few drawbacks. You might face challenges if:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your <\/span><strong><a href=\"https:\/\/www.ibpo.com.my\/10-myths-of-credit-scores\/\">credit score<\/a><\/strong><span style=\"font-weight: 400;\"> is too low to qualify for good loan terms.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your income is unstable or insufficient to meet the new repayment schedule.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You tend to accumulate new debts even after consolidation, worsening your financial burden.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some consolidation loans come with administrative fees.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In such cases, seeking structured support through a government-backed program like AKPK may be a more effective option.<\/span><\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-7462 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3.jpg\" alt=\"Reviewing and calculating monthly debt bills\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image3-1536x1024.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><h2><b>Understanding AKPK (Agensi Kaunseling dan Pengurusan Kredit)<\/b><\/h2><p><span style=\"font-weight: 400;\">AKPK is a government agency under Bank Negara Malaysia that offers free financial counselling and support to individuals facing debt challenges.<\/span><a href=\"https:\/\/www.researchgate.net\/publication\/339070730_DEBT_MANAGEMENT_PROGRAMME_DMP_IN_MALAYSIA_THE_UNITED_KINGDOM_UK_AND_SINGAPORE_WHAT_CAN_WE_LEARN#:~:text=DMP%20helps%20debtors%20who%20faced%20difficulty%20in%20settling%20their%20debts%20by%20offering%20a%20restructuring%20of%20the%20debts%20and%20if%20the%20debtors%20have%20successfully%20enrolled\"><span style=\"font-weight: 400;\"><strong> AKPK\u2019s Debt Management Programme (DMP)<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> is designed to help individuals restructure and manage their debts, particularly for those struggling with multiple unsecured loans.<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike debt consolidation, AKPK does not provide a new loan to clear existing debts. Instead, it consolidates your monthly payments by negotiating with creditors to create a more manageable repayment schedule. Through this programme, AKPK helps you develop a structured plan that reduces the financial pressure, making it easier to get back on track with your payments. While the debts remain with your original creditors, AKPK distributes the payments to them on your behalf.<\/span><\/p><h3><b>Benefits of Going Through AKPK Instead of Debt Consolidation Companies<\/b><\/h3><p><span style=\"font-weight: 400;\">Choosing AKPK\u2019s Debt Management Programme offers several benefits:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free counselling services: There are no charges to join AKPK&#8217;s programs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower monthly repayments: Debts are restructured based on your affordability.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduced interest rates: Participating banks may agree to lower rates to ease your repayment burden.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Single monthly payment: AKPK distributes your payment to creditors, saving you the hassle.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support and monitoring: AKPK continuously monitors your progress to help you stay on track.<\/span><\/li><\/ul><h3><strong>Limitations of AKPK Compared to Debt Consolidation Services\u00a0<\/strong><\/h3><p><span style=\"font-weight: 400;\">Despite its benefits, AKPK&#8217;s program may not suit everyone. Some important limitations include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No new loan issued: Debts are not wiped out; they are simply restructured.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact on credit score: Joining a debt management program may temporarily lower your credit rating, as it signals financial distress to future lenders.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed repayment structure: Unlike flexible private loans, repayment terms are pre-agreed with your banks and cannot be easily adjusted.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Closure of credit facilities: You must terminate existing credit cards and refrain from acquiring new debts.<\/span><\/li><\/ul><p><img decoding=\"async\" class=\"aligncenter wp-image-7463 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1.jpg\" alt=\"Thinking about debt consolidation for financial relief\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image1-1536x1024.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><h2><b>Debt Consolidation vs AKPK: Key Differences Explained<\/b><\/h2><p><span style=\"font-weight: 400;\">While both debt consolidation and AKPK aim to help individuals manage their debts better, the way they work differs significantly:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt consolidation involves taking a new loan to settle your existing debts. You then repay the new lender under improved terms.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AKPK\u2019s Debt Management Programme restructures your current debts without creating a new loan. Your obligations remain with your original creditors, but are modified to suit your repayment ability.<\/span><\/li><\/ul><h2><b>Which Option Is Right for You \u2013 Debt Consolidation or AKPK?<\/b><\/h2><p><span style=\"font-weight: 400;\">Choosing between debt consolidation and AKPK depends heavily on your financial situation:<\/span><\/p><h3><b>Choose Debt Consolidation if:<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have a steady income and fair to good credit score.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You seek flexible repayment options and potentially lower overall interest costs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You prefer a private, fast-track solution without public record.<\/span><\/li><\/ul><h3><b>Choose AKPK if:<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are overwhelmed by multiple debts and struggling to keep up.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You cannot qualify for new credit due to poor financial standing.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want a free, structured, and monitored path to recovery.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In essence, debt consolidation offers a quicker, more flexible route for those still eligible for new credit, while AKPK provides comprehensive, government-backed support for individuals in financial distress.<\/span><\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-7464\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4.jpg\" alt=\"\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4.jpg 1999w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/06\/image4-1536x1024.jpg 1536w\" sizes=\"(max-width: 1999px) 100vw, 1999px\" \/><\/p><h2><b>How IBPO Helps You Choose Between Debt Consolidation and AKPK<\/b><\/h2><p><span style=\"font-weight: 400;\">Deciding between debt consolidation and AKPK can be overwhelming. With so many options, it\u2019s hard to navigate the complexities. <\/span><strong><a href=\"https:\/\/www.ibpo.com.my\/\">IBPO Group Berhad<\/a><\/strong><span style=\"font-weight: 400;\"> simplifies this by providing expert guidance tailored to your specific financial situation and helping you assess both debt consolidation and AKPK\u2019s Debt Management Programme.<\/span><\/p><p><span style=\"font-weight: 400;\">For those who prefer a faster, automated way to understand their options, ANIKA, IBPO\u2019s <\/span><a href=\"https:\/\/www.ibpo.com.my\/chatbot-for-finance\/\"><span style=\"font-weight: 400;\"><strong>financial chatbot<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, is also available. <\/span><strong><a href=\"http:\/\/anika.ibpo.com.my\">ANIKA<\/a><\/strong><span style=\"font-weight: 400;\"> can provide instant assistance, answer common questions, and guide you to the best next steps based on your situation. With our expertise in both private and government-backed solutions, we offer impartial advice to help you navigate debt recovery and achieve a confident financial future.<\/span><\/p><h2><b>Getting Out of Debt Starts with the Right Debt Consolidation Services<\/b><\/h2><p><span style=\"font-weight: 400;\">The road to financial recovery may seem daunting, but with the right information and guidance, you can regain control of your finances. Whether you have already explored your options or are just beginning to seek help, now is the time to take control of your financial future.<\/span><\/p><p><span style=\"font-weight: 400;\">At IBPO Group Berhad, we\u2019re here not just to provide solutions, but to guide you in making confident financial decisions. With expert guidance and personalised support, we help you build a brighter, more secure future.<\/span><\/p><p><a href=\"https:\/\/wa.ibpo.com.my\/?r=wb\"><span style=\"font-weight: 400;\"><strong>Contact us<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> today to discover how our experienced consultants can help you optimise your financial strategy and work towards a debt-free life.<\/span><\/p><p><b class=\"small-text\">References<\/b><\/p><ol class=\"small-text\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agensi Kaunseling dan Pengurusan Kredit (AKPK). Over 50,000 youths in debt due to credit cards, loans worth close to RM2 billion in total. 23 April 2024. Available at: <\/span><strong><a href=\"https:\/\/www.akpk.org.my\/akpk-over-50000-youths-debt-due-credit-cards-loans-worth-close-rm2b-total\">https:\/\/www.akpk.org.my\/akpk-over-50000-youths-debt-due-credit-cards-loans-worth-close-rm2b-total<\/a><\/strong><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Azmi, Ruzita; Abd Razak, Adilah; Ahmad, Siti Nur Samawati. Debt Management Programme (DMP) in Malaysia, the United Kingdom (UK) and Singapore: What Can We Learn? February 2020. Available at: <strong><a style=\"font-size: 11.5px;\" href=\"https:\/\/www.researchgate.net\/publication\/339070730_DEBT_MANAGEMENT_PROGRAMME_DMP_IN_MALAYSIA_THE_UNITED_KINGDOM_UK_AND_SINGAPORE_WHAT_CAN_WE_LEARN\">https:\/\/www.researchgate.net\/publication\/339070730_DEBT_MANAGEMENT_PROGRAMME_DMP_IN_MALAYSIA_THE_UNITED_KINGDOM_UK_AND_SINGAPORE_WHAT_CAN_WE_LEARN<\/a>\u00a0<\/strong><\/span><\/li><\/ol><div style=\"margin-top: 40px; padding: 20px; border: 1px solid #ddd; border-radius: 8px; background: #f9f9f9; display: flex; align-items: flex-start; gap: 15px;\"><p><img decoding=\"async\" style=\"width: 80px; height: 80px; border-radius: 50%; object-fit: cover;\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcTSeatcmYRYsMNho5mAp9qySUzghxQYU_TPGw&amp;s\" alt=\"\u94b1\u5e86\u6bc5\uff08Daniel\" \/><\/p><div style=\"flex: 1;\"><p style=\"margin: 0; font-weight: bold;\">Dharshaini Grace<\/p><p style=\"margin: 10px 0; line-height: 1.6;\">Grace enjoys turning finance news into insights that everyone can understand and use.<\/p><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] Rising debt is becoming an increasingly serious concern in Malaysia. Many individuals are facing growing financial obligations from credit cards, personal loans, and unforeseen expenses. According to a 2024 report by the Agensi Kaunseling dan Pengurusan Kredit (AKPK), over 53,000 Malaysians aged 30 and below are burdened with nearly RM1.9 billion in debt. [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":7459,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Debt Relief Service in Malaysia: Debt Consolidation vs AKPK<\/title>\n<meta name=\"description\" content=\"Compare debt consolidation and AKPK for debt relief in Malaysia. 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