The student loan fund (กยศ.) got 1.2 billion baht in emergency funds after 11,004 applicants exceeded its quota, and a 9 billion baht budget for 2027 starts 1 October 2026. It will not blacklist defaulters but will pursue them and may raise rates for some. Good payers may get lower rates and a credit whitelist shared with state banks. For a business owner, the relevant point is that staff or family with student loans may see changed repayment rules, and on-time payment now counts as a positive credit signal. No action is required from the business itself.