They keep bugging my guarantor who is local so he freaks out (that's just how they are). I called the bank and told them I'll pay the loan in one year but on my own terms - maybe lump 3-4 payments together and transfer them from Canada. But they are so dumb - especially their collection officers who can't even speak communicable English! OCBC is stealing from students who just graduated recently and their method of collection involves the insecurities of the local people who act as guarantors for loans. I just had ONE loan and they don't understand I don't want to pay monthly as that would mean money transfer charges every month for SUCH a SMALL amount. If you ever go to Singapore to study, make sure you always use DBS; not OCBC.