Deputy PM Bhradon says the government has 1.2 billion baht in contingency funds to lend to students at the start of fiscal 2027, pending a cabinet decision on 29 Sep. The Student Loan Fund (กยศ.) is also reviewing borrowing conditions, and 2.6 million borrowers are behind on repayments. Changes to interest or penalty rates would need a law amendment, which is still under consideration. For a Thai SME owner, the direct impact is limited to staff or families who rely on student loans, and to any future changes in repayment rules that could affect household cash flow.