The National Housing Authority is inviting eligible residents and citizens to join the "Clear Debt, Move Forward" program to assist non-performing loan (NPL) borrowers in reducing their debt burden, restoring their credit history, and regaining access to the formal credit system. Borrowers can choose between a one-time settlement with up to 50% principal reduction or interest-free installments over a maximum of 36 months. The program accepts applications until December 31, 2026.

On July 21, 2026, Thavipong Vichaidis, Governor of the National Housing Authority, announced that the program is a collaboration between the Ministry of Finance, the Bank of Thailand, the Thai Bankers Association, and Sukhumvit Asset Management (SAM). It aims to assist individual borrowers with non-performing loan status by reducing their debt burden, restoring their financial standing, and providing an opportunity to re-enter the formal credit system.

The National Housing Authority prioritizes improving citizens' quality of life while strengthening household economic security, and is promoting this measure to ensure Housing Authority residents have access to solutions for debt problems and financial rehabilitation.

Eligible participants must be individuals with non-performing loan (NPL) status, with payments overdue for more than 90 days as of September 30, 2025, and total NPL debt not exceeding 100,000 baht according to the National Credit Bureau (NCB). Applicants must not be bankrupt or listed on the Financial Intelligence Unit's Sanction List. The program covers credit card debt, personal loans, and remaining balances from previously secured loans.

Borrowers can choose payment options based on their circumstances: one-time settlement with up to 50% principal reduction, or installment payment with up to 30% principal reduction, 0% interest, and up to 36 months to pay. This helps reduce debt burden, improve liquidity, restore credit history, and create opportunities for a fresh financial start.

Governor Thavipong stated that stable housing must be accompanied by financial security. The Housing Authority serves as a channel to publicize beneficial government measures, ensuring residents have access to financial rehabilitation opportunities—a foundation for improving quality of life and providing long-term family security.

Interested parties can contact SAM Contact Center at 1443 ext. 6 or via LINE Official @samsocialamc. Eligible applicants can participate in the program until December 31, 2026.

Several weeks ago, I had the opportunity to sit down with a group of young people from Kasetsart University who had joined the Hope Club, a forum for open dialogue between myself and the younger generation on topics ranging from change and opportunity to our near future.

I opened the discussion with a thought-provoking question: "Do you think you have the qualities of a 'talent'?" The room fell silent for a moment, and before anyone could answer, one participant raised their hand and posed a counter-question: "But what is your definition of 'talent'?"

That question shifted the entire conversation. Rather than me waiting for their answer, we began a shared reflection. It wasn't just about the true meaning of talent, but about recognizing how rapidly this very definition is being rewritten in a world that never stops moving. Their responses reinforced an important truth: the world is advancing into a new era of transformation, and it is already happening.

"I don't see myself as a talent or anything else," one student said. "I just see myself as someone here to learn, to meet my own needs, and to improve myself every single day. I think whenever I walk into a room and feel like I'm the best, that's a sign I'm in the wrong room. I see talent as someone who keeps filling their glass—not overflowing it."

Their answer was more than an explanation; it reflected a deeper truth about the value shift in modern society. In my youth, good grades, admission to a dream university, and a stable job were the societal markers of success. But today, these have become merely snapshots of the past—indicators of effort, determination, and intent at a particular moment. They no longer reveal what comes next.

These achievements are like photographs from a bygone era, telling us what you accomplished yesterday in a controlled environment. They tell us nothing about how you will face new challenges in the real, constantly changing, and difficult-to-control world we live in.

Over the past 30 years, leading organizations through shifting business landscapes has taught me one crucial lesson: the moment we believe we are skilled, that we have succeeded, and we stop learning—that is the most dangerous trap for any so-called talent. It is what I call the illusion of arrival, especially in this age where change happens faster than most people can adapt.

For True Corporation, we face this challenge head-on. We are strategically moving forward with a goal to become an "AI First" organization by 2028. But this mission is not about replacing people with AI; it is about equipping our people with new tools.

Our AI Practice Day program is one reflection of that commitment. It is about learning through hands-on experience, diving deep, and learning alongside colleagues—helping employees transition from mere "awareness" to real "capability." We emphasize not certificates, but practical tools that work.

Prime Minister Anutin Charnvirakul said on July 21, 2569 at Government House that he is monitoring the ongoing investigation into fraud in the local civil service examination. He stated that the central civil service committee has already established procedures that cannot be interfered with, and he will decide whether to chair the July 23 committee meeting after reviewing official documents. He delegated the oversight to Deputy Interior Minister Worasit Leangpraseuth.

When asked about the central examination committee's authority to dismiss affected local officials without waiting for the central civil service committee's approval, Anutin said different officials have different interpretations and he has consulted with Deputy PM Pakorn Nilepracheech, the secretary-general of the Council of State, as each committee must exhaust all procedures first. He noted that those dissatisfied with any decision can appeal through proper channels.

Regarding whether there are more masterminds involved than the three arrested so far, Anutin said the Central Investigation Police Bureau is investigating with additional reports filed by the civil service examination committee, local government department, the state, and the National Anti-Corruption Commission (NACC) which is coordinating with police. He assured the public that multiple agencies are working at full capacity to bring wrongdoers to justice.

When asked how to explain to society why people are blaming politicians and political parties, Anutin clarified that this is a government matter, not a party matter. He stated that the government has ordered all agencies to have zero tolerance for corruption and cannot allow new civil servants to be hired through fraudulent examinations. He emphasized that the government will pursue whoever is responsible to the fullest extent of the law, and that the NACC, police, and other investigative units will handle the case thoroughly.

Prime Minister Anutin Charnvirakul addressed the upcoming appointment of the 16th national police commissioner at a government house interview on July 21. When pressed about whether there were specific qualifications or "specs" for the role, he replied with a Thai expression meaning the topic makes his skin crawl. He said the selection must follow the spirit of the law and prioritize national interests, rejecting the idea that seniority alone should determine the choice. Anutin stressed that the foremost consideration is whether the new chief can maintain national stability. He warned that even if the selected candidate has 1.5 years of service remaining, the government will review the decision if the country becomes unstable. When a reporter asked about candidates with long service records and outstanding achievements, Anutin declined to answer, made a dismissive gesture, and abruptly left the press conference.

Defense Minister General Adulyadej Boontharmkaraichon met with Khaosodsod newspaper executives on July 21 at the Defense Ministry to discuss guidelines for security reporting and prevent future misunderstandings that could harm military security or alarm the public. Khaosodsod management clarified that publication of the disputed military map image was not intended to cause harm or spread inappropriate information. The newspaper's coverage of border conflicts has demonstrated good coordination and cooperation with the military, and it remains committed to reporting facts directly while respecting operational sensitivities and prioritizing national security interests. The newspaper says it promptly complies when the military requests corrections or content removal, and maintains smooth cooperation on border reporting with the armed forces. The disputed report aimed to communicate accurate facts about soldiers injured by a land mine while reducing public confusion from widely circulating rumors and maintaining troop morale. Both sides collaborated closely on the information and images, with the military understanding there was no malicious intent to compromise Thai military secrets. Defense Minister Adulyadej stressed the need for more careful news review considering security concerns to prevent similar misunderstandings. The meeting between the Defense Ministry and Khaosodsod aims to build understanding and establish guidelines for careful, accurate, and beneficial public reporting to prevent future confusion. Both parties are confident no ill intent was involved, but offer sincere apologies if the reporting caused public concern.

A furniture transport worker narrowly avoided prosecution after noticing a sofa was unusually heavy and emitted a suspicious chemical smell during a delivery job from Chiang Mai to Trang province. According to Pol. Col. Yutthana Kaenjanchan, the discovery began when a conscientious delivery driver reported to Highway Police Division 335. The driver had previously transported durian from Chanthaburi to Lampoon and was seeking additional cargo work to avoid returning with an empty truck. A contractor in Prao District, Chiang Mai, offered him a 18,000-baht job to deliver sofas to Trang. Upon receiving the furniture, the driver noticed the sofas were abnormally heavy and detected a methamphetamine-like odor, prompting him to stop the vehicle along a road in Ban Pong Subdistrict and immediately alert authorities. Officers discovered three sacks containing 1.78 million methamphetamine pills concealed inside six sofas. Pol. Col. Yutthana confirmed that police are actively investigating and pursuing the drug trafficking network behind the shipment, while commending the conscientious driver for reporting his suspicious findings and enabling officers to intercept a massive drug haul.