Government Savings Bank and the Ministry of Education cut interest on loans for teachers and education staff from the usual 6–7% to 3.5% for regular payers, and 4% for irregular payers or NPLs who return to regular payment within 3 months. Registration runs now to 31 October via the MyMo app or branches, and borrowers must join the ช.พ.ค. cooperative by 30 November. Relevant mainly if you or your staff are teachers with GSB loans; otherwise it is background only.