Update December 17, 2013:
Sad to say, effective last December 4, hindi na tumatanggap ang SSS ng Initial Application for Educational Loan. Bakit? Kasi nai-allocate na lahat ng pondo for about 59,600 students who have already received their first loans. Existing funds will be used to finance the subsequent loan applications of these students.
In short, naubos na ang 7-billion-peso fund for the Educational Loan Program. Nai-budget na lahat. Nai-allocate na lahat. No more Initial Educational Loan applications will be accepted. Only Subsequent Educational Loan applications will be processed. SSS says that the Educational Loan program will re-open once the first borrowers begin paying their loans. Or siguro, kung merong new budget allocation.
Update April 14, 2013 — SSS has increased the maximum loan amount to 20,000 pesos per semester and has improved the rules!
Last February 13, 2013, my friend received from the postman her first SSS educational loan check, after filing her loan application on February 1 at an SSS branch. The next day after filing, she saw on her online SSS account that her loan check was already generated. Just 12 days later, on February 13, she got from the postman her registered mail that contained her SSS loan check.
For her second SSS educational loan application, in July, amazingly, it took again only 12 days from date of application to her receipt of her loan check! Wow! Applause to the SSS Alabang branch!
You can apply for this newly launched SSS Educational Loan program too.
It can be for your child already in college or in vocational school, or your child who is entering college this next school year. It can also be used by you yourself or your spouse. If you’re single, you can apply for your sibling or half-sibling.
1. Your actual monthly salary is not more than than 25,000 pesos per month.
2. Your last SSS monthly salary credit is 15,000 pesos or lower.
3. You have paid at least 12 monthly contributions.
4. You have paid the monthly contribution for at least 1 of the past 3 months.
5. You are not delinquent in your SSS housing loan or salary loan.
Documents to Submit:
1. Filled-up and signed application form. Note: There is a portion in the loan application form which the school needs to fill up and sign.
2. Your SSS ID or 2 valid IDs
3. Xerox copy of your SSS ID or 2 valid IDs
4. Assessment or billing statement from the school
5. Xerox copy of the stamped SSS E1 form of your child, spouse or sibling. (Your child or sibling needs to get his/her own SSS no.)
6. Your proof that your actual monthly income is not more than 25,000 pesos: Can be one of these documents:
– Pay Slip (original and xerox), if employed
– Pay envelope (original and xerox), if employed
– Certification of Income from Employer, if employed
– Latest BIR-stamped ITR, if self-employed
– Your notarized Affidavit of Income, stating that your actual monthly salary is not more than 25,000 pesos, if self-employed or voluntary
How much can you borrow?
For college students — up to 20,000 pesos per sem
For vocational students — up to 10,000 pesos per sem
The loan amount will depend on the actual total school fees that you will pay, up to 20k for college students, and up to 10k for vocational students.
Example: If your beneficiary is a college student, and his school fee total this sem is 18,000 pesos, your loan amount will be 18,000 pesos. If his school fee total is 35,000 pesos, your loan amount is 20,000 pesos.
1. The loan check will be payable to the school, but delivered to you via registered mail.
2. You’ll pay your loan in installments starting after 18 months from date of release of last loan check. Payment term is up to 5 years for college students, and up to 3 years for vocational students.
3. Interest rate is 6%, imposed only on half of the total loan amount.
4. Your school must be CHED-accredited or TESDA-accredited.
5. For the next semester, you need to file another loan application, using another form titled Application for Subsequent Release of Educational Assistance Loan.
6. If you are Married, you are entitled to apply for two beneficiaries. If you are Unmarried, you are entitled to apply for only 1 beneciary. Once your application is approved for yourself or your beneficiary, you can no longer substitute another beneficiary.
7. If your spouse is also an SSS member and he/she is also qualified for this loan, you can apply for 2 beneficiaries each so that you can support a total of 4 beneficiaries, for example, your 4 children.
Ano po ba ang requirement kung mag reloan for educ Assistance program?
good day po ask lang po ako ,,educational grantee po ako and then status ko po last school year is 4th year kaya lang po hindi pa po ako graduate kasi may mga subject pa po ako na dapat ienroll kasi before ko kinuha course ko ngayon nakapag-aral na po ako ng vocational course one year,,so may mga subject pa po ako na dapat ienroll this coming school year pero same status pa rin since 4year course yong kinuha ko..question ko lang po is makaka avail pa po ba ako sa educational loan since 5 times ko na po siyang nagamit.
good day po ask lang po ako ,,educational grantee po ako and then status ko po last school year is 4th year kaya lang po hindi pa po ako graduate kasi may mga subject pa po ako na dapat ienroll kasi before ko kinuha course ko ngayon nakapag-aral na po ako ng vocational course one year,,so may mga subject pa po ako na dapat ienroll this coming school year pero same status pa rin since 4year course yong kinuha ko..question ko lang po is makaka avail pa po ba ako sa educational loan since 5 times ko na po siyang nagamit.
goodday ask ko lang .possible b na pwede ilipat ung educ loan sa kapatid ko n gumamit since graduate n sya at may work na thank you
Good Day!any updates po kung may fund na for Educational Assistance Program ng SSS?
Hi Good Morning. ahm.. na ka apply na po kami na educational loan at ang kinuhang course ay BS Business Ad. then mag Second sem na at tanong kulang po kung pwede pa po bang mag shift ng ibang course??
Hi Gorgre, ang SSS check kasi ay naka-address sa school with “For the account of” student, kaya hindi mo puedeng ipa-encash or ideposit sa bank account mo. Puede mong kausapin ang head cashier ng school kung papayag sila na ireimburse sa iyo in cash yong sobra ng check (minus miscellaneous fees and books).
hello po ask lang may scholarship ako tapos member at they same time member po run ako ng sss subsequent loan makukuha po ba yong loan ipa in cash ko
Nag educational loan po kasi kami. Kaso nalaman ko na nakapasa pala ako sa STEP scholarship. Balak sana namin i cut off ang loan kaso baka hindi ko ma maintain ang required grade for STEP. Kaya we decided not to cut if off kasi baka di ko ma maintain and at the same time bawal na kami magloan ulit kapag na cut na.My question is pwede po ba namin i refund sa school yung cheque? Balak kasi namin ibili ng books.
Hi Saraelisa, sorry hindi po, kasi requirement ng SSS ang assessment ng tuition or receipt ng tuition payment. Bukod diyan, walang bagong pondo itong program na ito, so mahaba ang waiting list ng mga applicants for new applicants. Ang napa-process at present ay yong mga subsequent loans ng mga dati nang na-approve noong unang na-launch itong program (mga around 65k students).
Magandang umaga po,
Tanong ko lang po, maari pa rin po ba kami mkapagloan kahit no tuition fee ang school na papasukan ng beneficiary?
Hi Jane, wow, ang galing naman at may work ka agad, and you plan to pay off the loan agad. So happy and proud of you. Naka-bill ang loan sa member na nag-apply ng loan, pero you can pay using her SSS number. Pag hindi nabayaran ng member ang loan, mata-transfer ang loan to the beneficiary who used the loan. Ask that member to check his/her account online, or mag-enroll siya online to get an online SSS account. Ang sabi ng SSS is start paying 18 months after last check release, kaya kung kagagraduate mo lang, baka wala pang bill. Sa actual educational loan na nakita ko, ang last check release was Dec 2013 and the first due date was Aug 31, 2015. In the meantime, save for your payments. If later on, you’ll be able to pay upfront in full, you’ll be able to save on interests.
I have a question po. Sino po bang magbabayad? Ako bang beneficiary o yung member? Kakagraduate ko lang po last year and working na po ako now at nakakapag hulog na sa sss. Plan ko na po sanang mag hulog for my educational loan. Thanks in advance
Hello SSS, good day.
Inquire lng po ako, about sa study now pay later program ninyo. Ang pangalawang anak ko magcollege na rin, dalawa na sila ng ate nya mag-aaral ng college sa Davao City po. Yong pangalawang anak ko po ang i-aapply ko sa Study now pay later program po ninyo. Pwede po ba online application or pupunta po talaga kami sa Davao City SSS Office nyo po to apply? Malayo po kc kami nasa North Cotabato po, kaya mas madali sana if may online application. At ask din po ako f ano po ang mga requirements… 16yrs member na po ako ng SSS, private employee po jc ako… Thank you and more Power to SSS!
Hi Connie, sorry isa lang ang beneficiary for each SSS member. Puede na uli kung fully paid na yong first education loan. Bukod sa eligibility, mahaba ang pila for first applicants. Walang new fund. Nagkakaroon lang ng pondo for the next applicant in line kapag enough na yong payments accumulated. Nakalagay nga sa application form ito: “Under queue system. Loan release depends on funds availability”
Good day..ask ko po..ang anak ko nggraduate na cya last april 6,2018..ang dalawa ko po anak.pagpapatuloy uli.pgaaral nila pwd pa po ba sa sss educational ng papa nila..actually naavail po ng nggraduate kng anak nung 3rd yr 2nd sem na..salamat.po
Hi Catherine, mas maganda pa pumunta ka sa munisipyo mo at magtanong ng scholarship o tuition assistance, kasi itong SSS educational assistance ay nai-budget na for students na naunang nag-apply noon. Doon sa mahabang waiting list ng applicants, nagkakaroon lang ng movement kapag merong tumitigil doon sa mga naunang approved applicants. Pero to answer your question, ang requirement is dapat naka-contribute ka na ng at least 12 months, kahit kamakailan lang o noon pa, at saka dapat nakabayad ka ng at least one monthly contribution within the past 3 months. Kung bagong member lang, pero nakabayad ka for the past 12 months, qualified ka. Inspite of what I said about the loan na nai-allocate na, try mo ring mag-apply.
Just to clarify. Meron po kasi na 36mos nefore maqualify meron naman 12mos so ano po ba ung tama
Hello po. Currently working student po ako and naghahanap po ako ng govt programs to sustain my education. kaso 2 years palang po ako nag woworl iba iba kasi nakalagay sa net na requirements, 3os or 1ps contributions ano po ba ung tama don?
Hi Raquel, sorry hindi, kasi gusto ng SSS na direct payment to the school, kaya ang payee sa loan check ay your school. Yong SSS salary loan ay through the bank na kasi ang payee ay yong member mismo.
Maari ko bang papalitan tru bank ung sss educational loan ko..?
Hi po. Ask ko lang po kung how many years to pay yung educ loan ko after grad ko ng 4yrs sa college? Kasi po since first year college ako sss na po ang nag babayad ng tuition ko. Ang tuition ko po umaabot ng 18k kada sem. Ilang taon ko po kaya babayaran yon? At magkano kada bwan ang hulog? Sana po may mag reply hehe salamat po
Gdevening po mam. Tanung lng po sana ako kung my exact date or moth po bah ma release yung educational loan ko po.kasi hangang ngaun po mam ay wala pa.mag 2nd sem napo.
good morning maam/sir may speciffic poh bang month kung kailan pwed ulit mag educational loan
Good day ma’am NORA tanong ko lang sana kung ilang buwan ma approved ang educational loan? and available pa po ba ang educational loan?
Pwede po bang mag educational loan kahit ETEEAP program yung kinuha?
Hi Mam, tanong ko lang if pwede kaya akong mag-avail ng educational loan? Pero graduate na ako ng college nung 2015. Then nung nag-start na akong mag-work nung May 2015, nagsimula na rin yung monthly contributions ko until I resigned last year. Mula nung nawalan ako ng work, naghuhulog pa rin ako ng voluntary contributions until now. I’m planning to take tesda course kase, Caregiving sana but the tuition fee is around 35k daw. Pwede kaya akong mag-avail ng educational loan kahit nasa 2 years palang akong naghuhulog? And makaka-loan kaya ako ng 20k kahit na vocational course itatake ko? And how long would I have to pay for the loan? Thanks.
hello po mam,..NORA …pano po b mag-avail ng educational loan may 3 yrs. contribution n po ako, pero nag resign n po ako sa trabaho para makapag-aral…..pwede po b ako mag-avail? kahit wal po akong trabaho…nag start n po ako mag aral ehh kailangan ko po kc talaga ng assistants ng sss SANA………………………………………………………………………………………..
hello po mam,..NORA …pano po b mag-avail ng educational loan may 3 yrs. contribution n po ako, pero nag resign n po ako sa trabaho para makapag-aral…..pwede po b ako mag-avail? kahit wal po akong trabaho…nag start n po ako mag aral ehh kailangan ko po kc talaga ng assistants ng sss SANA.
Questions how much is the usual monthly payment for the educational loan? and how long will be duration of payment.
I was one of the first batches who avail the educational loan, as far a i know i should be start paying this August 2017 (18 months from the date of last check) but until today i haven’t receive the Statement of Account. Thus, i don’t really have an idea how much should be the monthly amortization and how many years should i be paying.
I checked with the SSS Madrigal Ayala Alabang Branch, about it but they told me that don’t have access on the educational loan details. Instead they just give a phone number of the head office for my question.
I hope you could give me an idea of the amount of amortization.
Ma’am, open napo ba ang educational loan nyo? pano po makapag avail nito?
Ma’am, open napo ba ang educational loan nyo? pano po makapag avail nito?
Hi ma’am Nors,
Pwede po bang mag educational loan kahit ETEEAP program yung kinuha?
hi maam nora, ilang monthly contribution kailangan para mk apply ng sss eductionl loan?
Hi. Tanong ko lang po 4years po ang course ko.But suddenly, bigla kaming dinagdagan ng mga subjects which is aabot ng 5years. Makakaavail pa kaya ako nun?
, grumaduate po ako last 2015 pa..sgro last n ntnggp ko po is 2014 mga november po sgro
Nag apply po ng Education last year second semester Nov.29, 2016 po. Until now nasa wait kisted parin po daw ako. Posible pa po kaya na ma grant yong loan namin?
Hi Twinks, sabi mo nakapag-loan ka na noon. Kelan yong last loan mo? Kung first sem or 2nd sem last year, puede uli. Mag-file ka lang ng Subsequent Loan application form. Accepted naman ang ladderized, kelangan lang na kunin mo yong full load per sem ng school based on your course. By the way, ano bang isinulat mo noon sa mga naunang application forms mo sa “Number of years to finish course”?
D po ko tumgil mam
Ok lng po b un ladderize po ksi ung course ko itutuloy ko lng po ng 4yrs?..
Hi Twinks, try mo mag-apply uli para malaman mo kung available pa yong slot mo.
Hi po mg aaply sna po ko ulit mg aaral kc ko ulit
Hi Twinks, did you mean naka-avail ka na noon ng educational loan? At tumigil ka lang? Kung more than one year nang hindi mo ginamit yong loan privilege mo, most probably ibinigay na nila sa iba yong slot mo. Kasi ang daming nasa waiting list. Try mo lang mag-apply using the Subsequent Loan application form kung open pa yong slot na ibinigay sa iyo noon. For new applicants, sorry wala pang new funding.
Hi mrs pd pa po b ko mag apply ng educ loan want ko po kc mg aral ulit pero nkpgloan nkmi before ?
Hi Melvin, it’s the member who pays the loan. Yes, payment of the educational loan should start one year after the last loan check, and it should be in installment. But since your father is already retiring, it’s SSS policy to deduct all outstanding loans from the first monthly pensions. It’s good you found work immediately, so now you can give your father’s “pension” in the meantime.
Greetings SSS! I am actually graduated this year (2017), and my father who is the SSS member is currently retired month of April. but when my father check for his SSS account, It seems that all SSS Educ. loans is totally payed made from his retired benefits. I have my work now and ready for payment of what we have loan. May I ask of what is the process of repayment? the member or the beneficiaries? and why not Installment like what is being state in the Form (18 months after beneficiaries he/she graduated). Please I need assistance for this. Thanks
Hi Claire, ayaw lang siguro ng SSS na paasahin ang new applicants tapos mauwi lang sa wala. Ubos na kasi yong funding sa educational loan program noon pang Dec 2013. Naka-allocate na kasi lahat ng pondo sa 4-year or 5-year education ng mga naunang applicants in early 2013. Around 65,000 applicants at 7B lang ang pondo. Nagkakaroon lang ng chance yong nasa una sa long long waiting list kung merong magba-backout sa program, yong ayaw nang mag-aral.
Kasi po nag punta kami sa sss then sabi nila di nadaw sila tumatanggap.
Goodmorning po mag ask lang ako if pwede paba mag apply sa educational loan ngayn?
Hi carmela, yes, puede ang voluntary member mag-apply for this loan program, pero wala pang bagong pondo ito, kaya merong long waiting list of new applicants. Try mo lang mag-apply, pero SSS will file your application sa waiting list. Nagkakaroon ng movement of the waiting list kung merong hindi nagpatuloy mag-aral doon sa mga applicants na na-approved noong start of the loan program.
good morning po.
ask qlng po kung hanggang ngaun po ay pude png mka avail ng sss educational assistance?
at kung maari pang gamitin ng voluntary contribution member ang program na ito.
Hi Girlie, sorry, wala pang new funding for this program. Pero try mo lang mag-apply. Merong waiting list, baka sakaling merong mga hindi nagpatuloy na nag-aral doon sa mga naunang naaprubahan.
HI PO PWEDE NA PO BA MAG APPLY FOR SSS EDUCATIONAL LOAN?
hi po ask ko lang kung pwede pa po ba ako magloan kahit pang 20 months ko na ngayon after nung last loan ko before? thank you
Hi May ann, sorry, pero naubos na yong original funding at mahaba ang waiting list. Pero you can try asking the nearest SSS branch for an application form and they should be able to tell you an update on the program.
Hi nikky, sorry pero naubos na yong original pondo nila for first time applicants. Mahaba ang waiting list. Pero baka merong new funding — you can go to the nearest SSS and ask for the application form and ask if you can file
paano po mag apply ng educational loan para sa mga first timer?
Good day, ask ko lang po kung available pa po ba yung sss educ.loan ngayong 2017? need ko lang po talaga yung financial assis. kse gusto ko po talaga makapag aral. Thanks in advance!
Good Day SSS, until now hindi po ako nakatanggap ng statement of account para sa educational loan na avail ko po, pls advise kung ano ang gagawin ko dahil 2 years ago na graduate na po ang daughter ko.
Good Day po SSS. tanong lang po kong pwd ako mag apply nang educational loan for my sister. Ako ay member nang SSS. at ano po ba ang process sa pag apply nang loan?
Goodevening po SSS … naka 40K loan na po ako and then now im coming 4th year college magloloan po sana ako but 19 and half months na po ang nakakalipas na narelease ung last checke … hindi ko po kase alam na kailangan 18 months po pala ask ko lang pwede pa po ako makaloan? graduating na po ako need ko po ng financial support for my tuition.
Good morning po,regarding po dito s SSS educational loan..sino po ang magbabayad nito yung member o yung beneficiary nya na gumamit ng loan?At kelan po ba maguumpisa s pagpayad at s papaanong paraan..salmat po
Hi Nheil, baka merong mix-up. Or baka merong mali doon sa pag-fill up mo ng forms. Ask your sponsor to enroll in SSS online so he/she can check his/her educational loan account. Puede ring pumunta siya sa SSS branch and ask about the statement, informing the officer that you have not yet graduated
Hi! Nkaavail kami ng educational loan but if were needed to lang, ang problema this month may dumating na statement of account na start na ang repayment pero hindi pa naman ako nkakagrad. Pano kaya ang best way para maayos to? Thanks
Hi Marjorie, sorry, pero wala pang napa-publish na SSS will increase the funding for the educational loan program. Naubos na kasi yong pondo noon pang kauumpisa lang. Hindi naman naubos as in nagasto na, pero nai-allocate na sa 4-year or 5-year na pag-aaral ng mga around 65,000 na nakapag-apply at the start. Magtanong ka sa school mo, meron yang mga scholarships for financially challenged students, at hindi naman kelangang super taas ang grade.
Hi. I’m Marjorie, can we still avail the SSS educational loan this year? I badly needed financial assistance. I’m sick of seeing my parents looking for different jobs just to pay my tuition and still didn’t meet the required payment.
hi ma’am pwede pa po ba mka avail ng sss educational loan? thanks po.
Hi Michel, maganda naman na na-challenge ka sa sinabi ng amo mo. Pero marami rin namang naging successful sa kabuhayan kahit hindi sila nakapagtapos. Maraming high school graduates na mas successful ang mga businesses nila kesa sa mga college graduates.
Sorry wala pang dinagdag na pondo para sa SSS educational loan program. Naka-allocate na lahat yong pondo para sa mga around 60,000 students na naunang nag-apply. Sana malapit ka lang sa mga state universities para kahit pakonti-konting units lang or mag-part-time student ka. If you are here in Manila, merong call centers that are hiring high school graduates. I hope you can find a remedy so you can reach your goals or dreams.
Hi po. Matanong ko lang po kaylan po ulit available yung Educational Loan nyo? Isa po kc ako sa mga gustong mag.aral ulit kasi sobra pa sa sampal yong sinabi sa akin ng amo ko na “walang mapapala ang mga taong walang diploma” kaya po ako nagpupursige na makapag aral ulit.. Wala kasing pang paaral ung mga magulang ko kaya itong Educational Loan nalang ang pag-asa ko.. Sana po ang matulongan ninyo ako. Salamat po.
hi, im rosaly, nkaavail ang husband ko ng educ. loan 2years n hinulugan, kaya lng my buwan n d nmin nhulugan, cguro mga 5 buwan, my paraan b para d ito lumobo, papano po, d sya pwede s reinstructuring kc may 2016. ung last payment nmin,,sana reply mo po ako,,thanks
hi, im rosaly, nkaavail ang husband ko ng educ. loan , bale 2 anak ko naging benificiary, ung una 2year voc. course,, payable ng 2years, tpos ung latest loan 4 year course gagraduete n this june,,ang problema nmin ung sa una loan start kmi hulog 2014 up to may 2016,, pero sa loob ng 24 months minsan my buwan n d kmi nkakahulog dahil naoperahan husband ko mga 5 buwan ung wala hulog,naiisip ko tuloy ung penalty ng balance nmin,,papano kya nmin pwede bayaran p ung ntitira,,my paraan p b para d ito lumobo s interes,,ung last loan nmin wala p payment eskedyul kc sept. 2015 ung last check,,,sabi d2 s sss branch nmin d kmi pwede s reinstructuring program ngyon..Ano po kya mbuting gawin,,,54 yrs old n po husband ko mlapit n magretire,,bka wala mtira s retirement nya..thank u..
Hi rhossel, Subsequent Application ba ang sa iyo? Or first time to apply? Kasi kung first time, malamang matagalan, kasi walang bagong funding ang educational loan program. Ang mga new applicants ay nasa long waiting list.
Hi. Mrs Nora nagapply po kasi ako educational loan. Hanggang ngayon po ay wala pa.May pag asa pa po bang dumating yun hanggang finals ?
Hi Arlene, I’m glad that your dream of getting a college degree is still alive. Sorry lang na matagal nang naubos itong SSS funds for its educational loan program. Hindi naman actually naubos na or nagamit na, pero naka-allocate na lahat ang funds para sa mga around 60,000 students na naunang nag-apply for their 4-year or 5-year schooling in 2015. There’s a waiting list, pero it’s long, at nagkakaroon lang ng movement sa waiting list kapag merong hindi na tumuloy doon sa mga naunang nag-apply. Some SSS branches still accept applications, pero yong iba hindi na, kasi baka umasa nang umasa yong applicant, instead na magremedyo ng iba. I hope na makahanap ka ng ibang remedyo. Try looking for scholarships. Yong iba hindi published, so magtanung-tanong ka sa school where you want to study. Merong mga city halls na giving scholarships.
I’m Arlene, ask q lng po qng pno aq mg avail. Educational loan? 2008 lng po aq ng start mghulog and d p po un dre dretso due to having 2 kids and stay muna s bahay, and this 2017 lng ulit aq nghulog, I just want n pmsok ulit s scol for 4years..
10k po cguro yearly ang ba2yaran.
Just in case po kya mgkno interest nun if ever n mtpos q po xa ma consume w/in 4 years??
Thanks po.. Need po reply syang po kc, kht po gnito n po aq gusto q p po mktpos.
mam when po magiging available ulit ang initial educational assistance loan?
and maam if either hindi ako puwede may kapatid po akong member din. more than 5yrs narin naghuhulog. pwede ba siya kahit hindi pa nakakapagloan dati? first time po sa educational loan. thank you po.
good eve po maam. is sss educational assistance loan is available at this time maam? can I apply my ownself of this loan? I am also member of sss na naghuhulog mahigit limang taon. salamat po.
Hi Daisy, your colleague might have applied long before you did. The educational loan fund was all used up in Dec 2013 for around 60k students. Hindi pa naman actually naubos, pero nai-budget na lahat ang pera for the 4-year schooling of those 60k students. The waiting list started Dec 2013, so pagkahaba-haba na ngayon. Kung meron mang nag-stop among those 60k, ang nagkakaroon ng chance to get approved ay yong mga nasa una sa waiting list. Wala pang new funding for this loan program. I hope you can find other remedies
Hi Nora, I’m so upset since I tried to apply for a student loan my basic is more than 15k but less than 25k but sss system turns me down, a colleague of mine who has a 16k basic but she was able to take advantage for her education loan, its been a year now
Hello po Ms. Nora. I was one of the beneficiaries po pero unfortunately po e napatigil po sa trabaho ang papa ko. Bale first year 2nd sem up until 2nd year lang po ako nabigyan ng assistance. Nung nag3rd year na po ako, hindi na po ako nakaavail kasi wala daw po trabaho papa ko. Ask ko lang po kung marere avail or maibabalik pa po yung assistance ngayong mahigit 1 year na din po ulit may trabahaho ang papa ko. kahit 1 sem nalang po ang natitira. Salamat po.
Gud pm. I want to ask if hm ang monthly payment if natapos n ung educational loan. Nka 8x po kmi nag avail. Thanx
Hi Florepes, sorry about your husband. Did you use the new application form? or the subsequent loan application form? I think your application was treated as a new application, and was put in line behind the super long waiting list. The rules prohibit substitution of student, so most likely substitution of member/sponsor is also not allowed, so your application was considered as a new application. You can ask the Koronadal branch if you should have used a subsequent loan application form or a new application form.
My husband already availed an Educational Loan year 2015-2016, unfortunately he was died due to vehicular accident last February 2, 2016. This year 2016-2017, the SSS branch of Koronadal City advised me to transfer in my name as a wife. I already filled-up form last June 2016, unfortunately till now, I haven’t received any from the SSS. I borrowed money last sem just to pay the tuition of my son & daughter for the 1st sem. and now it’s 2nd sem. My question is “is there a chance that my application on educational loan for my son and daughter be approved on 1st sem?” Hope to hear from your end.
Hi Jenn, sorry hindi puede ang uncle. Dapat parent or kapatid. Besides, wala pang new funding ang educational loan program. Mahaba ang waiting list.
Pwede po ba ako makaavail ng SSS educational loan, pero Tito ko pong SSS?
Hi Ellaine, sa papa mo ibi-bill ang loan payments kasi siya ang nag-loan. Required lang na meron kang SSS number para halimbawa kulang ang payments or pension ng papa mo to pay the whole loan, ibi-bill sa iyo yong SSS account yong unpaid balance.
Hello po, inapply po ako ng papa ko for educational loan. Sakin po ba ibibill ng sss yung payment ng loan po or sa papa ko? Salamat.
Hi Pewee, sorry most likely naibigay na sa iba yong slot mo. Ang dami kasing nag-aantay na new applicants — a long waiting list. Meron silang circular na nabasa ko na dapat hindi more than 6 months yong gap ng application because they’ll assume that you’re no longer interested, and will therefore give the slot to another applicant. I might be able to search the circular when I get back in a week. I have to go somewhere. Or you can ask SSS or others baka merong nagbago. Pero I know there’s no new funding for the program — that’s why the waiting list of new applicants is long.
Hi gud afternon nag avail ako ng educational loan last 2013 one semester lng kasi my nag sponsor na personal na tao so ngayon natigil na ang sponsor ng tao pwede pa ba mag avail uli ng educational loan?
Hi Ms. A, to qualify, you can just pay 1 monthly contribution, or your husband can apply for you. But sad to say, the educational loan program has already used up all its funds for the 4-year or 5-year education of around 60k students whose loans were approved in 2012 and 2013. No funds have been added to the program. The first names on the waiting list can only avail when some of those already approved discontinue their studies. If you have time, you can try asking the nearest SSS branch if they’re accepting new applications. Pursue your dream. Find other ways. You can. With prayers.
Good Day! I am a non-working member and ang last contribution ko pa sa SSS is nung 2012 pa. I just want to know kung pano ako ma qqualify sa Educational Loan ng SSS not for my children, since my eldest is just 4yo but for me because I am planning on taking B.A. Psychology at AMA Online Education program and It is PACUCOA Accredited (Philippine Association of Colleges and Universities Commission on Accreditation) and ISO 9001:2008 Certified. My husband is employed and also an SSS member. THANKS!
Hi CM, ang payee ba ng cheque mo is the name of your school? Then your name mo ay nakalagay na “fao or for the account of”? If yes, sorry hindi puede, kasi ang payee is the name of your school. Ang kausapin mo is your school cashier (yong head). Makiusap ka na ibayad mo yong SSS loan cheque, and then i-refund nila. Explain to them what happened. Tell them you’re willing to pay some fees for the refund processing. Tell them you’re going to use the refund to repay your distant relative.
Pag ayaw nila, another option is to use the cheque as your advance payment for the next semester. Kaya lang, ang tagal pa, in 7 months pa yong next sem. Paano na if later on, hindi magamit? May utang ka sa SSS na hindi nagamit.
Another option is to go to SSS with your school receipt, and ask if they can re-issue the cheque in your name to repay the one who paid for your school fees. Tell them you were forced to borrow to beat the payment deadline. I hope you can write again how you were able to resolve your problem.
Make sure you protect all your original school payment receipts. Photocopy your receipts for yourself and for transactions.
Hello po. Ask ko sana, if possible ba na ma encash ang cheque sa bank instead na sa school kasi po binayaran ng distant relative ko ang whole semester ko tapos saka pa dumating ang cheque & w/o prior notice?
good pm po. ask ko lng po kung pde p pb mga avail ng educational loan sa sss for this coming 2nd sem?
Hi Sheryl, sorry hindi pa, kasi sa application form, merong portion doon that the college/university will sign, certifying that your child is enrolled in the university/college. You’ll also be required to submit a statement of account from the school. Since you’re preparing early, maybe it’s better to research on good state colleges like PLM where the tuition fees are not so costly so you don’t need to borrow from SSS. Puede ka ring mag-save sa Pag-ibig MP2 (5-year maturity), higher interest, for school fees later on.
Hi pedi po bang mag ask since gusto ko po na mag apply sa educational program ng sss for my daughther. Nasa grade 8 pa lang po sya now. Nung nagask ako sa sss branch nmin dito sa valenzuela 2019 pa daw cla pedi mag aproved sa mga new aplicants
pero tumatanggap nmn po cla ng application… Ang tanong ko po pedi ba na now na me mag apply since matagal pa bago cla mag open para sa mga new applicants.
Goodmorning po. I was applying for an educational loan and actually i was already on the waiting list. This is my first time and i am on my 4th yr in college. Is it possible that my loan will be approved if there is already a fund?
Hi brennan, ang SSS contribution ay hindi based sa basic salary lang; ito ay based sa gross pay mo for the month. Baka meron kayong overtime or night differential or holiday pay kaya na-reached yong 16k na salary mo for the month. Hindi naman yata gusto ng employer na magbayad ng mas malaki sa SSS; mas gusto nila lower, pero dahil ang gross pay mo ay 16k or more, 1,178.70 ang babayaran nila at ikaw ay mag-share ng 581.30. Mas okay nga ito, kasi if you want to apply for a loan later on, higher ang loanable amount mo. Other short-term benefits too are higher.
hi nora, i’ve been to sss main office here in cebu.ano po ba dapat kong gawi? kasi ganito ho and scenario// bali basic salary ko po is 14k nasa bpo insduatry po ako tapos ang remittance ng employer ko is maximum bali nasa bracket na 16k which contradict on my basic pay. ano po sunod na kailangan ko gawin?
Hi ronie, the SSS member who applied for the education loan is responsible for paying the loan, kasi sa SSS account niya naka-record yong loan. Kung gustong tumulong magbayad yong graduate, mas better of course. The borrower will receive a postal mail from SSS, but he/she can access his/her loan data faster through online SSS, para puede nang mag-start magbayad para hindi lumaki yong interest. 3 to 5 years ang time frame for payment. Here’s how to enroll in online SSS.
Good morning.pano poh kung graduate na yung nka avail nang eductional loan..pano poh ba babayaran yung educational loan at sino poh baang magbabayad?at ilang taon poh ang tagal?i need ur answer poh.thank you
Hi! Panu kung mag 3rd yr na anak q amd now lng aq mg-apply for sss educ loan, pede po b?
Hi Ms. Nora what if I invest one time P1,500,000.00 today how much will I get in 10 years?
Hi Gene, sorry, pero I suggest na maghanap ka ng backup for the tuition of your brother, and not rely on this SSS loan, kasi maraming nasa waiting list, and there is no new funding for this program.
Just reading previous post and just got some idea.
Sana maging kabilang ako sa bagong batch na malaanan nang funds.
Good day! Just wanna ask if how long it takes for the approval of my first time sss education loan? the examination of my brother is nearly approaching.
Hi brennan, you can try, but be prepared if they say they’re also not accepting. So sad for you about the lack of funds. The waiting list SSS-wide is super long. Ask your city hall if they have scholarship programs. Search online for scholarship programs. If you’ve just graduated from a public high school, check if you can apply for SM Mall scholarship next school year.
hi Nora, thanks for the reply. I already been to one of the satellite office here in cebu but they told me that they no longer accept initial applicant. Is it possible that i will be accepted in the main office here in cebu and be put on the waiting list?
Hi brennan, try a bigger branch nearest to you, not the ones at the malls. All full-service branches should accept all applications, but because of the lack of funds available, some have stopped accepting applications. Tell them you are willing to wait. The waiting list moves only if there’s someone from the first around-60k batch backs out and stops studying.
hi Ms nora I’m here in cebu. which branch po of SSS accepts application for educational loan? first time po to apply. It’s ok if I’ll be put on waiting list..
Hi James Kenneth, is this your 2nd, or 3rd or subsequent loan? If this is your first-time-ever loan application, did the SSS officer tell you that it was already approved? If approved, the cheque is delivered to your home address. If it’s been a month since your application, visit the branch where you applied and ask. If this is a subsequent loan, you can also go to your local post office (Registered mail section) and ask if you have a registered mail from SSS. Bring your IDs. I hope your problem gets resolved.
My father already avail the program of EDUCATIONAL LOAN from SSS. But we cant get the money. We actually needing it because its enrollment time and we have balanced in the university and we are only relying in the Program. We dont know where to get. We have already the stab of the program. If we cant get themoney from the program maybe I’ll just stop getting to school.
Hi krizza, yes, you’re eligible to apply. But it’s sad that there’s no more money for new applicants. Money becomes available only if some of the approved borrowers stop studying or graduate earlier. Those on top of the long long waiting list are the ones who will most likely have the chance of getting a loan. You can file your application though, if you like, but I don’t know if all branches are accepting applications.
hi po I’ve been paying sss contributions for nearly 2 years. Can I apply for a loan for myself? I want to study again
Hi kailan po ulit ang accepting ng new borrower or member na magaaply for sss educational loan?
can i avail educational loan for masters degree?
hello , can i avail educational loan for masters degree?thank you.
Hi edhel, the SSS program is not clear on what it meant by “college degree”, but in the form, you’re going to check if you’re in 1st year, or 2nd year, up to 5th year. And sad to say, this educational fund has no new funding yet, and the waiting list is long. The fund has been fully allocated back in Dec 2013, and I’ve heard of a few in the long waiting list who have been granted loans after some of those previously approved stopped studying. If you’re near an SSS branch, you can try asking.
hi. i finished my bachelors degree and would like to pursue a law course. am i eligible to apply for this educational plan?
Hi ree, is this your first time to apply for the SSS educational loan? If it’s your first time, sad to say, I think it’s doubtful that you can get a loan, as the waiting list for new applicants is super long. If you were part of the first batch of applicants (around 60,000 applicants) whose applications were approved, file for the current semester using the Subsequent application form.
hi ms can I file an educ loan for previous semester that we haven’t paid? thanks po.
Hi Felix, so sorry I don’t know any other institution offering educational loans. I know the offices of mayors, governors, the vice president and senators and congressmen give assistance for payment of medical bills, but I’m not sure if they accept requests for assistance for tuition fees.
Hi Mrs. Nora, currently the SSS, still have no funding on the Educational Loan, do you know any sources that can help us with our payment? tnx.
Hi Michelle, did they tell you if those who got their checks in Sep 2015 were first-time applicants? What I know is that the list for first-time applicants is super long, and that the list moves only when a long-time borrower stops availing of the program. Sorry I don’t know when you can get your check. In the meantime, you might have to find other sources to be able to pay your tuition.
Im a first timer for the educational loan of sss, last dec i filed the loan, and i try to follow up last week. But im still in waiting list. How long thus it takes? the teller told me before that the brrower who filed last july 2015they received their checks last sept. 2015. As i compute the months it was took for only two months. Now i will try to followed up again, until what month would i expect to received the check?
Hi Telly, are you a first-time applicant for an educational loan? If yes, sad to say, the waiting list is soooo long. There are no new funds for first-time applicants. But if you filed for a subsequent loan, meaning you have been granted already an educational loan for the past semesters, your loan should have been processed already. Usually this loan is processed within a month.
Hi Nora, I filed a Loan for my brother last October 2015, but it’s now nearing march and the educational loan is not yet granted. everytime he goes to the branch he’s being told it’s on process. how long is the educational loan processed? tnx po 🙂
I’m a call center agent but I wanted to finish my study.Am I eligible to have that kind of loan? If ever when will they going to collect the payment? Is it after I graduated?
Hi Cesar, the name of the member. You write the name of the student only on the blank “Name of Student” under “School’s Certification.”
Hi Ms. Nora ,in subsequent loan form,what to put?The name of the member or the name of the student-beneficiary?Thanks in advance
Hi Camille, sad to say, there’s no new funding for this program for new or first-time applicants. New funds arise only when an approved borrower cancels his slot, or when borrowers pay their loans. Ask others too
Hi Ms Nora, is there available educational loan for this year? Tnx.
hi miss nora, ask ko lang po if sino po ba ang magbabayad ng Educational Assistance Loan ang member or ang beneficiary? and kailan po mag start ang payment if naka graduate na po ba ang beneficiary? and lastly every sem po ba dpat mag submit ng application for EALP form?
Hi Susan, I haven’t read any new related policy. Maybe SSS has much heavier work load this December, so checks are delayed. If you can see through your online SSS account that your check was already issued, then wait hopefully for just a few days more. But if you can’t see yet the approval, you can visit your branch and ask.
Hello po, more than 1 month has passed and my educational loan has not been delivered to my address until now. Is there a new policy? my previous educ loan was delivered within 1 month, but now christmas is almost here and it’s not yet here. My child needs it. please let me me know what is the problem. thank you
Hi sarah, yes, you can claim your check by presenting your ID or IDs to the postman who will deliver your check
Helow po, how about if I lost the stub given by sss staff? can i still claim my sss educ loan check?
Hi Yumi, was your brother clearly instructed to pick up his check at his branch? What I know is that they are sending the check to the member’s address by postal mail. You can use your brother’s authorization letter and ID to receive the check at your home address when delivered by the postman.
If he was instructed to claim his check at his branch, I’m not sure if they’ll give it to a representative since it’s a check. But if you like to try, yes, bring all the documents that you mentioned, including your own ID
Hi! Mrs Nora are there requirements to present when claiming my Educational Loan check po? Our option is pick-up po at the branch. And it’s my brother’s SSS po. DO I need an authorization letter and his Id? Then the Acknowledgement Stub Stamped with date, name and signature po of the one who processed. Thank you po and God Bless!
Hi maam nora gud day! Mg 3 years npo nakasubsequently educ loan ang anak ko.nakaka5 tseke npo xa..at wala pong palya un 8 to 10 po dumadating n smin un tseke..ngyon po second sem na.. Wala p po un tseke ng anak ko..sbi ng ss naihulog na dw nila nung nov112015..tumawa po sa post ofis wala p dw po un tseke ng anak..sobrang delay npo..tapos n prelim ng anak ko pero wala p din un tseke..ano po pde kong gawin..sana matulungaan niyo ako thanks po ..
Hi lourdes, yes, you can apply. There was no age limit given, as long as you’re still a contributing member. But the problem is this program has no more funds, and I haven’t heard of new infusion of funds. The waiting list is long. I don’t know if SSS is still accepting applications. But you can try filing your application.
hi ms. nora! can i apply for educational loan for my self even im 29 yo but still i want to finish my studies? does applying for this loan has limitation of age? thank you for ur soon response.
Hi Glenn, sorry, substitution of beneficiary is not allowed. This rule is written at the back of the loan form. But you yourself, the SSS member, can also avail, but the waiting list for new applicants is super long, and I heard that some SSS branches no longer accept applications.
Hi po. My brother has availed of sss educational loan then he decided to stop studying. Can I still apply? Thank you po. God bless!
Hi Ghem, it’s sad but I haven’t read any update regarding additional funding for the SSS educational loan program. The program no longer has funds for new applicants. All funds have been allocated for the first batches of applicants in 2013. And the waiting list for new applicants is very long. You can ask your question here: https://www.facebook.com/SSSPh/
Hello. My brother will be a 4th year student next year, can I apply for an educational loan for him even if he’ll not start borrowing from freshman year? He’s a working student but he wishes to focus in his last year so I plan to apply for a loan for him. I am currently employed and single. Thanks!
Hi Nikki, sorry I don’t know. I don’t know if the SSS officers will look where your check is because their standard process is to release the checks through postal mail. Maybe you can try if you’re near SSS Diliman. About refund, it depends on your school. Talk to your cashier or finance officer. Explain to them that the SSS check arrived very late. Another option is for you to use the excess for your next semester’s tuition.
Hi Ms.Nora I applied my first educational loan last July 28, 2015 and my check is already generated today September 29, 2015. Can I go directly to SSS Office to get the check? Because I can’t wait for another week coz finals is also next week. I only have 5k balance on my account can I also refund the 15k that I have been paid?
Hi Mayumi, your brother can try applying, and hope that your unused slot is still open. He’ll use the subsequent loan form. SSS announced that they will give unused slots to new applicants on the waiting list, but try applying, or ask SSS if your slot is still open.
Hi! Nora my brother previously applied for Educational Loan at SSS, two times po. last loan was December 2013 or January 2014 po then I stopped po. Can my brother apply this coming semester because I’ll study again? And will it be subsequent application? Thank you
Hi mary jo, I wonder why you applied only in August. Why did you not apply in June? Is this for first sem? Are you on a trimester/quarter term system? You need to know if your loan was approved. Check your online SSS account, or go to the nearest SSS branch.
I applied for subsequent loan aug 10 then til now the check has not been delivered to our house. It’s now sept 6. Why is that? midterms have passed; I haven’t paid because of the delay
Hi. Ask ko lang po. Pde pa po ba mgeducational loan?
Hi Nikki, is your application a Subsequent loan application? Meaning your first application (in 2013) was approved? What I know is there’s no new funding for first-time applications. As of now, it’s only those whose applications were approved in 2013 who can apply for subsequent loans. If your application is a subsequent application, enroll in online SSS so you can track your application, or you can go to an SSS branch, and ask.
Hello, Ms.Nora I applied for SSS educational program last july. They accepted it but the check has not arrived, when can I get the check?
Hi Theresa, sad to say, there’s still now new funding for the SSS educational loan program. The original funding was already used up for the 4-year or 5-year education of the first batch (about 60k students). Check sss.gov.ph from time to time if there’s an announcement of a new funding. If you decide so, you can also check your city’s city-funded university if your child can study there.
My child should already be in second year college. but he stopped. whenever I go to sss to follow-up my educational loan application, up to now, they tell me there’s still no loan. Can we obtain a student loan so my child can study this second sem? because that’s the only assistance we have so my child can continue studying
Hi maria cristina, sad to say that I think you won’t be able to get an educational loan, as up to now, there’s no news about additional funding for this program. The waiting list has become so long many branches have stopped accepting first-time applications. The list moves only if someone in the approved batch decides to stop studying and not avail of the loan. Also, you can’t apply in advance because the application form requires the school’s certification and signature and proof of current enrollment. See if your daughter can apply and enroll at TUP, RTU, PUP, Pamantasan ng Maynila, or a city university so the tuition won’t be too costly.
Hi nora iam a single mom and iam an active sss member for more than 36 months. I want to apply an educational loan for my daughter, she just graduated high school last march. I plan to enroll her next year for college and ill be needing help from sss. Should i apply now? Since you said it will be long wait. Will it take a year or more for the wait? Thank you
Hi ELizabeth, yes, you can avail of both at the same time. But if this is your first time to apply for the educational loan, sad to say that your application will be added to a long long waiting list that started to pile up since Dec 2013, when the funds were all used up and fully allocated to the first thousands of applicants. Some branches even do not accept applications anymore, as there’s no new funding. Ask others too
hi Nora, i have plans to enroll in EXPANDED TERTIARY EDUCATION EQUIVALENCY AND ACCREDITATION PROGRAM(ETEEAP)this next semester and I want to avail educational loan for myself. Can i still avail it even if i just received my salary loan check last month (july 2015)?
1. Yes, you can apply at another branch. You can apply near where you work, or at Diliman.
2. Yes, you can continue your studies even if you stopped for a long time.
3. If the check is issued, you must use it within 3 months. I don’t know if the validity of the check is still 3 months — check the validity date on the check. Before the start of the sem, you can enroll, then request for assessment, then submit your application. Usually, the application is approved within 1 or 2 months. Pay only the minimum so you can use the check later on. If there’s a payment deadline, ask your school if you pay, and they’ll refund you if you get your SSS check.
4. As of now, there are no announcements of additional funds.
5. No, it cannot be used for summer class.
Sad to say, but most people in SSS have no way of knowing when the educational loan program will be offered to new applicants. The $7-billion funding has been allocated to the 4-year or 5-year education of the first 60k loan applicants, so if there are no additional funds for this program, then new applicants will have to wait for the first applicants to pay off all their loans. The waiting list is soooo long, that’s why many SSS branches no longer accept new applicants. You can email email@example.com
Great article Nora. Thanks for the info, you made it easy to understand.This loan is very helpful to those who really want to study but has limited funds. BTW, if anyone needs to fill out a “SSS E1 Form ”, I found a blank fillable form here:http://goo.gl/2sC6EM. This site PDFfiller also has some tutorials on how to fill it out and a few related legal documents that you might find useful.
Hi Nora, I have a few questions, it looks like this blog can answer my questions. Even the SSS page doesn’t have answers.
1. Currently I’m working; my registered address is cavite. Is it possible to apply at another branch since I don’t live in Cavite?
2. Can I continue my studies even if I stopped for 2 yrs
3. What if I have balance at the school, then I paid, do I get an assessment from them example for this coming sem, and it’s not immediately approved and it’s already the start of classes, then comes the mid of the sem, can I still use it or can I use it for the next sem?
4. Is there available funds? or do they accept for the waiting list even if there are still no funds?
5. can it be used for summer class?
6. usually how many months before you’re considered a migrant?
I went to the SSS branch at las pinas, but they didn’t give any replies. They told me they don’t know when. I wish SSS employees know their policies and their services. I was asking for a form so I can pass even if I’ll be put on the waiting list but I got nothing. I appreciate your blog, Ms Nora. Thanks!
Hi Rodante, sad to say, what I know is that there are still no new funds for this program. New or first-time applications are added to a long long waiting list. The requirements are listed above, in the post.
Hi Rodelyn, the most recent I’ve read is that there are still no new funds. Some branches might accept new applications, but they are added to a long long waiting list.
I want to apply for student loan for my daughter studying in UP Baguio. Can you provide all the requirements to avail this educational loan.
Good day…SSS Educational Loan is available for the SY 2015-2016?
Hi gemma, do you mean SSS has already required you to start paying your educational loan? Was your last educational loan more than 1 year ago? Don’t lose hope if it has not been more than a year ago. When you found out there was an encoding mistake, they should have advised you to file another loan application. Talk with SSS again, and ask how you can remedy the situation. Since your child has not yet graduated, you should be able to apply for additional loan. Only 1 monthly contribution within the past 3 months is required (any amount).
gud a.m this is about my child’s educational loan. my child has not yet graduated but our loans were granted only up to 2nd yr 1rst sem. I went to sss epza rosario cavite and I was told they had encoding mistakes so our loan was lost. Now I temporarily stopped paying my sss contributions, as I lost interest. I expected SSS to help me in sending my child to college. Now my sss bill has arrived, adding to my problem regarding my child’s tuition, as my child has not yet graduated and he’s/she’s in third year.
Hi Leomar, your check will be sent to the home address you wrote in your loan application form via registered postal mail, within 10 days or more. After a week or so, you can go to Minglanilla post office’s registered mail section with your valid IDs and inquire.
I also applied a salary loan on Feb. 14/15 and when I checked it online it said that the check generated was on Feb. 17/15 just yesterday and it has a check/voucher number already. Where do I get these checks since I am on Cebu location and my home address is on Minglanilla.
Hi Nora thanks ! by the my location is Cebu and my home address is minglanilla and I don’t know where is the registered postal mail is.
Hi Leomar, you should have received your check in June or July 2014 at your home address through a registered postal mail. You can go to your local post office’s registered mail section and check if it was delivered wrongly to another address or if it was returned to SSS Diliman. Disbursed can mean released or issued or paid out. It’s difficult though for the check to be encashed by another person, as the check payee is the name of your school. If you find out that the check was returned to SSS Diliman, you can go to SSS Diliman and ask where you can get your check, or you can go to your SSS branch first and ask.
Hi when I checked my application for educational loan I am not sure If it was granted or not but when I checked online I saw released date 06.13.14 and I have a check # however I also see disbursed amount of 20K next to it and I am not sure what it means. If ever it was granted where can I get it and what is disbursed amount means ? can I still get the check even it was from last year ?
Hi Zally, grades are not checked. Proof of income is required. And sad to say, this SSS educational program is currently suspended, meaning they’re not currently accepting new applications. Only subsequent loan applications are being processed — from those nearly 60,000 whose loan applications were approved in 2012 and 2013. Ask others too
Can I avail of an educ loan, if Im already 2nd yr in college. Do they check your grades/TOR? Is continuous payment required? I’m SSS member but I don’t have work so I don’t have proof of income.and did not pay for 2 yrs. thank you.
Hi Maemor, you can encash it at PNB Diliman, or you can deposit it to your account with any bank (cash will be available on the 3rd day). But you can ask the nearest PNB Branch; they might have just changed their policy.
Hi Mam Nora, I just got my cheque last week for my maternity benefits. It was from PNB Diliman. Can I enchash it to anybank or PNB Branch? THank you for your help.
Hi Mark, sorry, I think no. Single members are allotted only one loan privilege. Your sister, after getting employed and after paying 12 contributions, can apply for a loan for you. The problem is SSS have used up its funds for this program, and if there’s no additional funding, members will have to wait for the first borrowers to pay off their loans before funds can be made available to new borrowers.
Hi! It’s my sister who’s using an educational loan under my name. She’s already in 5th year. After she graduates, can I apply for myself as I plan to study after her graduation? Thanks
ask ko lng po kung pwede p magpasa ng application for educ loan.
Hi Vangie, yes, you’re eligible for the subsequent loan next year even if you missed paying for Oct. If you apply in June or July 2015, make sure to pay April and May 2015 or June 2015
Hi ms nors, I pay 550 monthly to sss as voluntary member. I wasn’t able to pay before my nov. 20 deadline for the month of oct. Can I avail next year of my subsequent loan for my son who will be on his 3rd year next year. It was only in oct that I missed paying. thanks
Hi Joe, look for it. If you think you can no longer find it, make an affidavit of loss, then apply again. Pay 250 pesos for the replacement ID.
HI Nora! I want to know what should I do if I lose my SSS ID 🙁 need help 🙁
Hi jonnadel, it will be the member who will pay the educational loan since it was the member who applied for the loan. The loan is under the member’s records. Of course, the brother can help his sister in paying the loan if he’s already employed. But in cases that the member did not pay the loan, and her SSS pension is not enough to pay the loan, then SSS will collect from the beneficiary (as this beneficiary is expected to become an SSS member).
About the check, you can talk with the school’s head accountant if he/she is willing to deposit your check in the school’s bank account and then give you the money later. You can explain the situation. But I think this is complicated and doubtful, so I think it’s better that you return the check to SSS. This will reduce your total loan amount, so this option is better. But when you return it, make sure you get a document to prove that you have returned it and was accepted. Write a letter to SSS informing SSS that you’re returning the check because you can no longer use it as your beneficiary has graduated and that you expect the loan amount to be removed from your loan records. Write the check no., check date and check amount and your SSS details. Xerox the check and voucher and keep it. Xerox your letter and have SSS stamp-receive and sign the xerox copy as proof that your check was accepted by them. Check later on your online SSS account and make sure that particular loan amount was removed from your SSS educational loan record.
hi ms. Nora, may I ask if it’s the beneficiary who will pay for the educational loan once he graduated from college or the member himself who is the sibling of the beneficiary? 2nd question, what should we do if last yr we applied for educ loan for the last sem of his college years and it’s only now that we received the loan check, and the tuition fee was already settled as he has already graduated. can we encash the loan check? Hope for response. 🙂
Thank you so much po Ms. Nora! XD hehe you helped much 🙂
Hi Joane May, yes, I think you can still avail this sem because the gap is only one sem. File as early as you can. Congrats for winning that scholarship grant!
Hi Nora! Last sem (1st sem of 2014) I won a full scholar grant from a contest I’ve joined, but that was for only one sem. Can I again avail of an educational loan? I have been using sss educational loan since my first years and did not use it last sem. Can I still avail? Please help
Hi jinkie, yes, your sibling can apply for you even if you’re not reported as a beneficiary. He/she can present your birth cert and his birth cert. But sadly, the educational loan program is still closed for new applicants. New applications are being put on hold, or are filed in a long waiting list. Ask others too
hi, can my sibling apply for educational load? I wasn’t written as one of the beneficiaries
hi miss Nora!, may I ask what are the requirements for sss calamity loan. I am planning to apply this September. I am from bacoor, cavite. Another thing is, how to apply for it? Tnx:)
It’s my first time to apply this kind of loan @_@
thanks for the reply
Hi Derrick, was that your very first educational loan application? I don’t know if SSS can get new funding for this sem’s new/first time applicants. It’s doubtful. And the waiting list is so long. Sad to say, first-time applicants cannot rely so much on the SSS loan program.
If what you filed is a Subsequent loan application (meaning you already have received a loan check before the loan program suspension), you can present your check to your school and ask for refund.
Ma’am I just want to ask, what if I already filed my Educational Loan last month of June, and I started to go to school using my personal money while waiting to have a slot, do they still shoulder my first payment as reimbursement for my expenses?
Hi Jethro, yes, if that check was for last sem, then use that for last sem, assuming that you haven’t paid your last sem’s tuition. Or if you’ve already paid your tuition last sem, then you can use it for this current sem, and then apply for another educational loan for this sem (to be used also for this sem, if there’s still a balance, plus advance for the next sem).
Thank you Nora, its already generated and I haven’t checked the post office yet, and the check is already stale. So if ever i got the check, will SSS be still able to reissue it and can I use the reissued check for the semester that the checked should be used for? Thank you so much for replying on my questions, youve been very helpful.
Hi Jethro, are you referring to an SSS educational loan check? If yes, you should have been able to receive your check within 2 to 3 weeks of check generation. Does your online SSS account say the check was already generated? If already generated, track your check with your local post office. The most recent SSS educational loan check that I saw has a validity of only 3 months. You can request SSS for check reissuance if later on you get the stale check.
Hi Nora, paano po kung stale na yung check, and since di ko siya narecieve for the last 7 months. Magagamit ko pa rin ba yung check, or pwede pa kaya ako magapply after?
Hi mars, yes, she can apply. But one of the documents required is a cert or affidavit of her monthly income, which should be less than 25k. Some SSS branches accept first-time applicants (for waiting list) and some tell them to wait and apply when there are additional funds.
Hi karen, submit your Subsequent Loan papers 1 or 2 months before the last day of payment to give time for SSS processing and check delivery.
hi nora. thank you for your prompt response. one more question, please. i have a daugher who stopped schooling a couple of years ago to work but she’s now back to school. if she has at least 12 contributions from her previous work and we would update her sss account starting this month, would she be able to file for the loan? the application is intended in case she will be given a slot in the succeeding releases. thanks again!
Pwede po magtanong.when po ba ang last day nang submission or filing ng Sss educational loan?
Hi Mars, I think it would be better if it’s your husband who will apply even if he’s not active since the requirement is only 12 contributions with 1 contribution paid within the last 3 months prior to application, and because your monthly income is more than 25k. Unfortunately, the educational loan program is currently suspended — there are no more funds for new applicants. There’s a long list of applicants waiting for slots that will arise if some approved borrowers discontinue using their allotments.
Hello. I’d like to avail of the educational loan. My salary is a little more than the 25k salary bracket. However my husband does not have fixed income, earns below 25k per month, and is not an active sss member. I have 4 kids and 3 of them are now in college. Is the salary requirement gross? Kasi po we still have deductions such as wtax, contributions, etc. Hope to receive your reply soon.
Hi Maritess, sorry, if you’re already a pensioner, you can no longer apply for educational salary loan, or any other loans. Besides this, by the time you’re 60, I hope you’re child has already graduated from college. If you like, save with MP2 or Flexi-Fund so you can save for your child’s college tuition
Hi Ms. Nors may tanung po ako ppno po kung retired kana sa work like sa ofw pero natapos mo na 20 years maximum amount ng contribution mkakaavail ka po ba magloan sa educational ng anak mo sa kolehiyo..pero may business ka nman po na maliit kumikita din around 25k like tindahan..Thanks po
Hi Lenlen, siguro kahit wala kang formal income, meron kang ginagawa to have money. Kahit binibigyan ka lang. Anong ginagawa mo? Siempre meron ka namang source of money. Yon na lang ang parang work mo kapalit ng money, so yon ang income mo.
Hello maam isa nlan po prolem ko s papaers ng anak ko for subsequent loan..kasi po wla po ako g income nabasa kopo s mga voluntary memeber pde yong affidavit of income pano po yon ? Nkasaad po s affidavit of income yon mothly income wla po akong income pano po pde kong gawin..ano po ibang option pra msubmit ko na papers ng anak ko salamat po..
Hi iris, yes, sad to say, tama yong sinabi sa yo na ubos na yong 7-billion-peso funding (hindi naman actually naubos, kundi nai-budget na lahat ng pera para sa 1st year to 4th or 5th year tuition fees ng mga naunang applicants. What I know is you can file your loan application and request the SSS officer to put it on their waiting list (which has become a very long list, and unsure when the list can start to get reduced, so hindi puedeng asahan).
i was disappointed po last time nang pumunta ako ng sss , at nag tanong po ako kung pdi po bang gamitin ko yung educ loan ng papa ko para sa akin. I was hoping pa naman po sana na makaka balik na ako ng school for his sem, Totoo po ba na existing loaners na alang po yung pding mag loan hindi na po first loaners.?
Hi Juls, yes, basta meron kang Date of Coverage, you have paid at least 12 contributions, with at least one payment for the past 3 months. Pero sad to say, ang mga new applicants ay ilalagay sa long waiting list. Naubos na kasi ang pondo; may pondo pa naman, pero naka-allocate na sa up to 4th/5th year tuition fees ng mga unang applicants na na-approve.
Hi,Goodpm po!Ask ko lang po kung pwede mag educational loan ang self employed/voluntary? Please reply. Thanks!
Hi Grace, inannounce ng SSS last Nov 2013 na waiting list muna ang mga new first-time educational loan applicants, kasi na-allocate na lahat ang pondo para sa 4-year or 5-year na pag-aaral ng mga naunang nearly 60k applicants. If you like, mag-file ka pa rin ng application mo anytime na meron ka nang docs para mailagay ka na sa waiting list. Pero sa haba ng waiting list, baka next year/s na maka-loan, unless merong new funding. Nagkakaroon din ng slot kapag merong mag-stop-schooling sa mga naunang borrowers.
kailan po ulit magrereleased ng memo ang sss educatonal loan para sa nga bagong applicants ngayon 2014
Hi Jelson, sorry wala akong rule na nabasa specific to your question, pero sa new circular nila about change of borrower for the same beneficiary (sa case na magre-retire ang original borrower), sinabi nila doon na kapag na-observe nila na walang subsequent loan for a certain beneficiary, babawiin na nila yong allocation at ibigay sa unang nakalista sa waiting list of new borrowers. At very long waiting list na ito. So blessed ka na nakahabol ka pa. Pero go to SSS and ask, para sure.
Good morning, ask ko lang, what if mag stop yung student having an educational loan then, he decided to pursue his studies, mga ilang months pwede syang mag-stop??thanks!
Hi Luciel, I think that’s a situation that SSS did not fully anticipate. Parang “oo nga pala ano, paano kaya yong ganyan?”. Ako rin, sori at hindi ko masagot with a definite answer. Basta ang rule nila is puede ang kapatid kapag single ang member. One option is to delay updating your civil status and surname with SSS. I don’t know if there’s a rule to immediately update one’s civil status with SSS. Di ba marami ring hindi nag-a-update ng kanilang civil status and surname immediately to facilitate their maternity benefit claims? Magkakaroon lang ng conflict if you file for maternity benefit and your child’s birth cert shows you are married. If you have time, ask an SSS officer.
Hi mam..I just want to ask if i could still continue to avail the subsequent release of Education Loan of my brother if I married before he graduate??He is still in his first year.. I am not sure if I can wait for him until he graduate..
Hi Lorena, I’m sad to know that you’re late in filing your educational loan. Sayang nakaumpisa ka sana last year. Kasi yong mga nakaumpisa before naubos ang funds ay puede pang mag-loan until they finish schooling. Nasa waiting list ka. Kung merong mga hindi magpapatuloy sa mga na-approve na applicants, maaaring makakuha ka ng slot. Wala ba ang course mo sa EARIST Sta Mesa kasi medyo afffordable ang tuition doon? Or TUP Manila or RTU Boni at Pasig?
kelan po kaya mag re re-open ang sss educational assistance. Nagfile po kase ako November last year for educational loan sa cubao branch kaya lang dami pang hinihingi requirements. Then i asked them kung wala bang deadline ang submission ng application sabi nila wala daw. then i completed all the requirements January this year and filed to sss Pasig branch. Unfortunately closed na daw. after 10 years, I planned to pursue my studies kase umasa ako na may pang support ako sa studies ko thru sss educational kaya lang biglang nag close, though they accepted it but still pending pa din kase wala na pala budget. Magpa final exam na ko and yet i dont know kung san ako kukuha ng pang tuition ko.
Sana po mag re-open na soon…. gusto ko na po kaseng makapagtapos ng pag-aaral. Maraming salamat po at sana po matugunan nyo ang aking kahilingan.
bakit naman ang tagal ng check ngaun,,,2 weeks na wala parin,,dati 1 week lang narecve na namin check ngaun wala pa..final exams na this feb 27 i needed the check badly
Hi Amy, thank you very much for appreciating my blog. Means a lot to me. I’m so sad that the funding for the SSS educational loan is limited and that the funds have already been used up and allocated to nearly 60k students who will use the remaining funds until they graduate. This means that the educational loan program is no longer accepting new applicants. Maybe when they receive additional funding, they can accept new applicants again. But please ask others too about SSS educ loan updates.
About eligibility: If you’re the SSS member and you have at least 12 contributions with 1 contribution within the last 3 months, your son, as your dependent, need not be required to have SSS contribution. He just needs to get an SSS no.
But if he will apply for the loan as SSS member, yes, he needs to accumulate 12 paid contributions. The problem is the educational loan program is temporarily closed for new applicants. Please ask others too about this SSS educ loan. Continue to be strong, and God bless.
Hi Nora, first of all, I would like you to know that I’m a big fun of yours for answering a lot of questions raised on this blog and I really find ways just to read all of those inquiries and your responces to them and I gained a lot of information with regards of this Educ. Loan but then again I have my own question in mind and here it is:
I have my son who is now a second year college student and in the next sem he will be in 3rd year and I am afraid that I can no longer support him and he also know it but he is still pursuing to finish his study then he suggested me that he will work as a part time call center but I will be needing this loan to help him with his school fees amounting to 40k per sem ,Is it possible for him to be qualified for the said educ loan if in his work the company is going to pay for his sss monthly contribution so he will be traced by sss that he have his work that as far as I know sss no. must be issued to him as a req. to traise if he has a job?
Thanks very much! God bless.
Hi erwen, did you mean you were able to avail of the SSS educational loan during your first sem? If yes, I think you can continue using it in 2015. I’m not sure though because I’m not from SSS, but they didn’t release any rule regarding gaps or missed sems, so I think you can continue availing of the loan. Use the Subsequent loan form.
hello.. ask lng po sna ako i am nw studying using sss educational loan.,voluntary po ako, first year college 2nd sem. but my wife is getting pregnant nw so i need to stop my schooling this coming june 2014… pwd pa ba ako mka continue ug avail sa sss edu. loan next 2015 if mg continue nko schooling after mka recover ako wife from pregnancy…i need ur responce pls…thank you so much…
Hi jessica, first time mong mag-apply for educational loan? If yes, sorry, naubos na raw ang pondo. Wala daw munang loans for first timers. Ang tinatanggap lang na application ay yong 2nd, 3rd or subsequent application.
i would like ta ask if i can avail the educational loan this time? thanks and hoping for response!!!
Hi Krisel, yes, you can apply for both loans, as long as you also qualify for the educational loan. Check your online SSS account kung kelan due yong first salary loan amortization mo kasi yon din ang iche-check ng mag-e-evaluate ng educ application mo.
Would like to ask if I can avail Educational Loan even if I received my newly released sss salary loan and to start amortization on January 2014?
would like to ask if I can still avail Educational loan though I received my new released check for my salary loan and to start my monthly amortization this coming january 2014 pa?
Hi Richelle, if you’re a full scholar and you do not pay any amount to the school, you might not be able to apply. Why? Because you have no expense to submit to SSS. You are required to submit a school assessment or billing statement from your school, and the check will be issued to your school. But if you’re paying your miscellaneous needs such as lab fees, books, etc. to the school, then you can apply to cover this expense. Or if your school is willing to give you a full school assessment document despite your scholarship and is willing to refund to you all the excess from the SSS check, then you can apply. Take note that the SSS loan amount depends on the actual expense, up to 20k per sem.
Hi Ms. Nors,
I just want to know if the applicant is still eligible to apply for SSS Loan even though he is already a recipient of a government scholarship program like CHED Scholarship.
Thank you and more powers. 🙂
Hi Ms Nors,
I just have one quick concern. For instance, the student applied for a government scholarship program and qualified for it, like CHED Scholarship. Is he/she still eligible to apply for SSS Educational loan even though he’s already a recipient of the said government scholarship program.
Hope for your reply. Thanks a lot and more powers. 🙂
Hi Roger, you can ask your company for a copy of the receipt and the collection list where your name and payments are included, then you can present this to SSS and request for posting.
Hi Ms. Nora, pwede bang ipost ng employee ang kanyang sariling contributions if the payments were made but were not posted because ung hr personnel ngresign na at wlang endorsement na nangyari? Thanks
Hi Helen, pay at least 1 contribution, then you wait for it to get posted, then you apply. Actually, the rule is: pay your contribution for at least 1 of the 3 months before application. Make sure your salary loan, if you have, is not delinquent.
Hi Lucy, you cannot file in advance because you need the school to certify this statement in the loan application form: “__ is enrolled/has applied for enrollment”. But if your school signs your loan form even if you’re not yet enrolled, then you can apply before enrolling. Ask also if the school can give you school assessment document even if you’re not yet enrolled. If you qualify based on all the requirements and you submit all documents required, then there’s a big possibility your application will be approved. But of course we cannot be 100% sure. I suggest you also consider city or state universities so you don’t have to worry about tuition fees.
If i’m going to resign from work, what do i nid to continously use the educational loan for my daughter.thank you so much
Hi Ms. Nors, my husband is planning to pursue college, our plan is file for the educational loan to finance his studies, however you have mentioned that we cannot file in advance, but is there an assurance that he will be approved for the loan? Coz if NOT, he can no longer continue with his plans since there will be no more financial support. Please help.
Hi Anthony, wala namang sinabing deadlines ang SSS. Pero based on what I know, basta hindi pa tapos ang semester. Pero file earlier because the approval-to-check delivery process takes from 2 weeks to 1 month or more. Take note din na merong tuition payment deadlines, example before prelims or midterms or finals. Puede ring magbayad muna in cash, pero some schools do not make refunds. Okay lang if the school uses overpayments for the next semester.
Hi! itatanong ko lng po kung hanggang kailan ang deadline ng submission ng SSS educational Loan requirements this second semester…. thnks po
Thank you very much for the quick response. God Bless po.
Hi, melinda, yes, you can avail of the SSS educational loan by paying at least 1 contribution before applying. If you apply in June or July 2014, pay for May or June 2014. Dapat naka-post na before applying; check your online account. During summer next year, your son can get his SSS no. because you need to show a copy of his E1 form. You also need an Affidavit of income since you said you stopped working.
Hi!Iam the member of sss, my last payment was 2007. I want to avail this educational assistance for my son. What will i do.
Hi!SSS member po ako since 2007 but since then i did not continue for the monthly contribution, i stopped working. I would like to ask if i can avail this educational assistance for my son entering college this coming school year june 2014.I contributed already 235 mos. i am also a pensioner for my late husband.
Hi Helen, you said “again”, so yes, use the Application for SUBSEQUENT Release of Educ Loan. For 2nd, 3rd or subsequent applications, we use the form with the title SUBSEQUENT…
Hi! I would like to ask if these two forms are the same?I’m going to file again an educational loan for the second sem.Is it the same APPLICATION FOR EDUCATIONAL LOAN ASISTANCE PROGRAM and APPLICATION FOR SUBSEQUENT RELEASE OF EDUC LOAN?I have two forms with me.Which one to use? Thank you.
Hi eduardo, why “reply asap”? I have already replied to you. See above. Pay 1 contribution asap using RS5 form. Check Voluntary. Then after 2 or 3 days, register in online SSS so you can check your records. And then apply for your educational loan.
please reply asap.thanks
Hi eduardo, yes, you’re eligible, but you need to pay 1 monthly contribution (for this Nov, or for Oct if you’re still within your payment deadline), and wait for it to get posted before you file your loan. Use RS5 form and check Voluntary. Enroll online so you can check your SSS records. This is how to enroll in online SSS
i am going to avail the educational loan program with my brother as benificiary. My last sss contribution was on february 2013. After that, I was not able to contribute because i am unemployed since march 2013 up to now. I have 30 monthly contributions until february. Am I eligible for that loan?
If not why? do i need to be a voluntary member to have my contributions up to date?
Thanks in advance mam.
Hi, i am going to apply educational loan program for my brother. Pero ang last na hulog ko pa ay nung february kasi nawalan na ako ng work that month. Pwede po ba ako maka-avail ng ganitong loan program? or I must need to be a self-employed member of sss??thanks in advance.
Hi Joey, yes, you’re eligible. Make sure you have paid at least 1 contribution within the past 3 months before applying. If you have a salary loan, make sure also that it’s updated.
Hi, Ms. Nors. I’d like to ask if I’m eligible to avail for the program? I have only 22 months monthly contribution and my salary is below P15,000. Thank you.
Hi remilyn, yes, you’re eligible. Pay your contribution for at least 1 of the 3 months before applying. Salary credit should not be more than 15k. Show cert of your separation from work or cert of income of not more than 25k per month. Remember that loan amount is based on actual school assessment up to 20k, so expenses for books, dorm, etc are not included.
Hi. I just ended up my contract this August in my lat work. And Im planning to continue my degree in UP Los Banos, i already have 2 1/2 years. and maybe in 2years i could finish the course. I had 31 contributions in SSS. Am i qualified for the educational plan? thanks a lot. please email me.
Hi Helen, your check will be delivered via registered mail to your home address — the address you wrote in your application form
Hi!I want to ask if san ko hihintayin ung check from sss. I checked online, check generated na po mga 3 weeks na..So san ko aabangan ung check sa house or sa school dadating ung check? thank you
Hi eley, sori hindi because the check is issued to your school. The check is in the name of your school, so you give the check to your school to pay your tuition.
Hi! inapply po kc ako ng father q sa educational loan, sir may ask if pwede poh iencash ang educational loan??
Hi Ayen, yours is the first question I got asking about that situation. And it’s a good question. I think we have to ask the SSS about it. One of the rules say “A member shall be allowed to avail only once…” and maybe it’s because there’s only limited funds (7 billion) for this program and almost 1 billion has already been released. Or maybe they’ll change the rules later on. I’ll try emailing, and let’s see if SSS replies.
Hi! I am unmarried with 2 kids(6 y/o and 9 months old) if I want to apply my brother as my dependent, in the instance that I already paid the loan amount in full during the time that my eldest will be in college, will she still be qualified? since there will only be 1 qualified dependent for unmarried members.
Hi ar-ar, yes, SSS uses only the amount written on your school assessment document as basis for your educational loan amount. So it includes only tuition, miscellaneous, etc. that your school lists on your assessment. If the total is 4k, then SSS will lend you only 4k. If you apply for this 2nd sem, you should present your assessment for this 2nd sem, not your assessment last year.
gusto ko rin pong malaman if pwede po ba yong last year assessment fee ko po ? salamat po!
HI PO..AKO PO SI AR-AR
WHAT IF MY TUITION IS ONLY FOUR THOUSANDS. IS THAT THE ONLY MONEY THAT I GET? HOW ABOUT THE OTHER EXPENSES RELATED TO SCHOOL IT IS NOT COUNTED?
Hi chie, sorry I’m not sure. But in the educational loan form, it mentions degree course, and since this is also a degree course, it can be covered. Go to SSS and ask (I hope the staff there knows, since this is a fairly new program, but somebody might be able to help you) or study the loan form, and see if you can accomplish it for a masteral course.
hi po,i just want to know if the educational loan can avail masteral dergee course?thnks po
Hi gerry, I think you can still apply for 1st sem, using your 1st sem total assessment (not the statement of account with the small balance amount) and having the school check 1st sem on the loan form. SSS uses the total assessment (not the unpaid balance) to determine loan amount. If total assessment is more than 20k, then your loan is 20k. If lower than 20k, your loan is equal to your total assessment. Thanks a lot for appreciating my efforts. 🙂 You’re admirable yourself for financing your brother’s education.
Hi! I’m planning to apply educational loan for my brother. I just need to verify if i have the clear understanding of my situation:
It’s almost end of 1st sem, nov is the enrollment for 2nd sem and for me to get the check just in time for the next enrollment, I’m planning to submit the 1st sem assessment/billing even if it’s almost paid. Do you think it’ll be approved or better yet enroll my brother for 2nd sem then apply for the loan? As much as possible i need the check before the enrollment day so that i won’t be required to shell out money. I have a lot of expenses to cover aside from his tuition.
How do they assess the amount of loan? Is it from the total amount of tuition or the unpaid balance for that sem? Because I’m thinking since almost paid na ang current sem small amount na lang ang i-release sa loan. What do you think?
Btw, I admire you answering the tons of questions very patiently. You’re very helpful. Thank you! 🙂
THanks. I think I need to go to the branch personally and check.Have a great day!
Hi Helen, bakit kaya? Usually nae-encode within 1 to 3 days. Baka yong branch mo, dadalhin pa sa another branch, or baka maraming educational loan applicants sa branch na yan. Pag wala pa next week, puedeng puntahan mo yong branch mo, and ask.
Hi! I would like to ask how many weeks will it take before ma encode ung educational loan? I checked online ang it says no educational loan applied..It was almost 1 week since I applied..Thank you.
Hi Jady, trisem ba ang school ng kapatid mo? Kausapin mo yong school cashier; palagay ko naman puedeng konting down at promissory note. I-print mo yong online approval ng loan at ipakita mo para makita nila na inaantay na lang ang check.
Hi po..panu nmn po niyan kung a month ang processing, nagsisimula na nang klase ang kapatid ko hindi po parin nakakaenrol kasi wala pa yung check..
Hi Jhayr, then your application is good because the sem in your statement and in your application form match. Initially I thought the statement referred to an unpaid balance for the previous sem. Great because that means you can again apply for another loan next sem, and so you can focus on your studies and not worry about tuition so much…Are you enrolled online? What’s the status of your educational loan application?
the sem that was stated there in my SOA was the SY 2012-13(first sem).
Hi Jhayr, any one of those 2 is good. In the SSS rules, either one of school assessment or statement of account is listed. What I was pointing out was the sem referred to in the statement of account. But if that statement was issued during the first sem, even if it was referring to a past sem, it could be okayed by the evaluator.
If they accepted your application already, DO NOT submit additional documents until they tell you to.
hi there,tnx for the time and and effort answering all my Qs, yes i did checked it.About the assessment thing is that a better document rather than the statement of account??because i will pass this all of your infos that i’ve got from you for their references..tnx though! 😀
Hi JHAYR, you were asking, so I was just answering with the facts I know based on my and others’ experiences with SSS. If they accepted your application, and have encoded and approved it even with those different dates, then you’re one blessed guy. You then thank the Lord for your blessings. Congrats! Keep pursuing your dreams!
By the way, did you check 1st sem and wrote school year 2013-2014? Just for additional knowledge from actual experiences. Thanks
they already accept my application and met up their requirements and qualifications and they gave to me the stub..so you’re trying to say that it will be rejected?? 🙁
Hi jhayr, I was thinking of how you can apply for a loan for this sem and another for the 2nd sem, but can’t think of a way for both sems. But, yes, you can apply for next sem (2nd sem, school year 2013-2014); you can submit it in early October. You can use that form; fill up the other blanks. About your statement of account, you cannot use that statement of account since that’s for a past sem. They will see the discrepancy in dates. Request for school assessment for next sem ((2nd sem, school year 2013-2014). They should be able to give you an assessment even if you’re not yet enrolled since it’s only assessment.
I was enrolled last school year 2012-2013(first sem only). and also i already got my statement of account stating my balance. would that be okay?? can i use this form since it was already signed up and i will apply this on october(sem break)??
they havent check any of those, i think they will let me check those one but they signed it up all the bottom part of it like the date, the position, the name of the signee and etc.,i have a back balance of 23k+, Im the SSS member.. they will not accept my enrollment if i cant pay my balance that’s the thing and that’s the reason why i apply for the said loan..
Hi jhayr, I can’t think so much because I don’t know the details. Please give me details. Did your school check 1st sem or 2nd sem? How much is your remaining balance? What’s the amount written in your school assessment certification? In case your loan check is more than your remaining balance, will the school apply the difference (excess) as payment for the next sem? Are you the SSS member? Or a dependent?
can i apply as early as today?even if the 2nd sem is still 2mos from now? bec i have a rem bal and the form was already signed by our school registrar(Their part) but im not yet enrolled this school year but im planning to enroll this coming 2nd but they wont allow me bec i have past bal that need to be settle first. Im confused with my case, would SSS will grant my loan??why should be the best thing to do??
Hi Helen, yes, she can. She brings her birth certificate from NSO (orig and xerox). Just in case the SSS officer asks, tell them it’s for educational loan.
Hi shai, sorry I thought otherwise. You must first accumulate 12 contributions before you can apply for an educational loan. I suggest that you go to the nearest SSS with your ID and verify your SSS no. Ask for a verification slip from the guard or the front desk clerk. You must not get a new SSS no. Ask also if your 3 contributions as Employed were posted so you can continue paying as Voluntary. If these were posted, you can start paying using RS5 form.
Can my daughter get an sss number even if she’s only 16 years old? as one of the requirement for educational loan.She’s a freshman college student.thank you.
But how about the contribution in sss? Im only 3months employed in fast food last 2years. And i resign and i never contribute again. Cause im unemployed until now after that happen.and my sss the color pink one i missplaced and dont know where. So i should have to take new sss number?Hows that? Can i still take the loan?
Hi shai, you mean you had your school sign your application form but you did not submit to SSS? Yes, you can apply again for this first sem (use another form), but if you have paid the school already, ask them if they will refund you if you give them a loan check from SSS for first sem. You can also apply for second sem, but wait till you have enrolled for second sem before you apply. Or during the sem break, ask your school if they can sign your loan application form for the second sem so you can process it early.
Hello. I just wanted to know if i can take the education loan in the 2nd semestral of the school year? Cause i just got back now from my university. But i will process it this 1st sem? And last 2years im.employed in fast food but only 3months . And i misplaced my sss form. Can i still take the the loan?
Hi Helen, yes, you can apply for both loans at the same time. For the next educational loan application, see to it that you’re updated in paying your salary loan.
tnx a lot for that info and answering my Q miss. 😀
Hi Jhayr, yes, you should be enrolled first because you need the signature of your school in the educational loan application form. But you can ask your school if you can enroll without any downpayment and if they can sign your SSS loan application so you can pay them.
i have Q.. so it means to say that you should be currently enrolled before you can apply for this educ.loan??bec i have a rem bal in my school and i want to pursue my college studies this coming sem. I want to apply for educ loan so that i can pay my bal and be enrolled…hoping for feed back..thanks!! 🙂
Hi! I want to ask if I can avail educational loan and salary loan at the same time. I just filed my salary loan 2 days ago and planning to file educational loan next week.Is it possible? It’s my first salary loan. Thank you so much.
Hi ayan, it’s super suprising that the city school has no bank account. Cash lahat ang transaksyon nila? Paano kaya ang mga pondo? O baka ang accounting nila diretso sa munisipyo? Baka puedeng kausapin nio ang finance head o president ng school para maremedyuhan. Kung hindi maremedyuhan, yes, you can return the check and cancel the loan. Write a letter to SSS telling them you are canceling the loan because Pamantasan ng Lungsod ng Pasay does not want to accept the SSS loan check as the school has no bank account. Write SSS loan check no., payee name, date issued and amount. Xerox the check and your letter at pa-stamp and pa-sign mo ito ng Received sa SSS para meron kang proof na isinauli mo yong check sa SSS. Check from time to time your online SSS to see if your loan has already been canceled.
my sister was already issued with check amounting to 10k but the problem is that the check is payable to her school(pamantasan ng lungsod ng pasay)which says that they cannot accept this type of payment since they have no account. what shall we do then?
in case, can we cancel the loan? thanks:)
Hi lorena, yes, kahit meron kang loan, as long as you’re updated with your payments. You must be single/unmarried, so you can borrow for your sibling.
hi po! I’m Lor. Just want to ask if pwede ba maka avail kapatid ko sa sss educational loan na may salary loan pa akong binabayaran? thank u so much!
Hi Diane, yes, you can loan the whole amount stated in your certificate up to 20k. For example, if your total fees for the quarter is 32k, you will get a check of 20k. The check is issued to your school.
So the best thing to do is to pay the minimum downpayment, so you can get your assessment and so your school can sign your application form, and then use the check later on to pay your balance. If the check does not arrive before your school’s next payment deadline, you can write a promissory note, or you can pay the next minimum. Ask your school if they apply any excess payment as advance payment for the next quarter.
But your first option also works — using the loan check for the next quarter; anyway checks get stale only after 6 months.
Just want to ask. Since you mentioned from the previous post that the processing time for educational loan takes about a month to complete. So let’s say I plan to enroll this term (we have a quarter system), do I need to pay part of my tuition fee and will the rest be paid by the loan? Or can I loan the whole amount stated on my certificate of matriculation and use it for the next quarterm?
Hi jojo, sad to say, I think your application will be disapproved because the rule says that only Unmarried members can apply for their siblings. Please ask others too. regards
Hi Nors, ask ko lang..married na kasi ako, pero wala kaming anak..pero may kapatid akong nag aaral sa college 2nd year na siya..patay na kasi ang father ko na member ng sss, ang tanging nag papa aral lang sa kapatid ko yung isa kong kapatid at ako din..parehas na kasi kaming married ng kapatid kong yun..pag nag apply kaya ako ng educational loan..ma approve kaya ako? at ang kapatid ko ang ilagay ko??
Hi Jane, it’s frustrating that the maximum monthly salary allowed is 25k, but it is. It’s their policy. One of the required documents is the pay slip or pay envelope or employer’s certificate of income. So makikita ng SSS na you’re earning more than 25k a month.
Hi! I’m wondering if I can avail of the educational loan as my salary is more than 25k/month.I am a single parent and this will program is very helpful for us. I hope to avail this soon since my daughter’s tuition is close ro 35k per sem. Thank you!
Hi ryllien, sorry you can register as non-working spouse only if your husband is an active Philippine SSS member. If you were not an employed SSS member before, you need to register as self-employed. Present proof of your source of income, such as sales commission (Avon, insurance agent) or business registration. Fill up SSS RS1 form
Hi Nors, Since before I didn’t contribute to my SSS. I plan to continue my SSS and contribute for voluntary member non-working spouse. I would like to ask, Am I qualified to apply for voluntary non-working spouse even if my husband is foreigner?
Thank you so much for answering my questions Ms Nors.
Hi Miles, the check will be delivered via registered mail to your home address. Estimated delivery via your local postman is 14 days after check generation. It may take longer kasi marami nang loan applicants.
Hi Ms. Nors, ask ko lang po. Nag apply po ako ng Education loan and base sa Online SSS acocunt ko, check generated on 6-14-2013. Ang tanong ko po, san po ba idedeliver yung check? Sa home address ko or sa School address? At how long it will takes po bago ko ma-receive?
Very well said, thank you. Thank you very much.
Hi Josier, you will start to pay your Total educational loan about 1 year after graduation, or 1 year after you decide to stop borrowing. It’s not every after semester. About a year after you complete your course, your semestral loans will be added together or consolidated. Then madagdag ang mga interests for each of the loans from date of check to date of consolidation.
For example, you borrow 20k every sem for 5 years, then your total principal is 20k x 2 x 5 = 200,000 pesos. Hindi lang ito, idagdag pa ang mga interests on each loan from date of check up to date of consolidation/computation. Yong total ng mga checks at ng mga interests ang i-amortize at 6% a year at babayaran mo monthly starting about 1 year after graduation over 3 to 5 years, depending on the loan term you selected.
Pero yong half of the principal loan lang ang merong interest. Half of the loans were from the national government and has zero interest. The other half is from SSS and has 6% annual interest.
Thanks for appreciating my blog.
Hi, I very much appreciate your blog. The gray area in my understanding is about the due dates and duration of payment.. Let me site an example, if the first check is released/dated in July 2013, the due date is 18months after that check, or Jan, 2015 (payable in 60months)? If the subsequent check is received/dated in November 2013, the due date is, April 2015 (payable in 60months also)? Then so on.. the same with the subsequent checks assuming the application is 2-semesters for 5years? Enlighten me please. Thank you.
Hi Richelle, I’m not very sure about my answer, because this is my first time to encounter this question. But I will base my answer on the requirements. Baka hindi puede, kasi 2 of the requirements are: must be currently contributing member, and at least 1 contribution within the past 3 months before application (hindi na nagco-contribute ang retired member). Baka meron kang sibling na member, or yong parents mo. Or if you can register properly and get approved as self-employed, and pay contributions, so that after one year, puede kang mag-loan.
Can SSS pensioners/ retired members still apply for Educational loan for their qualified dependents? Are they still eligible for this?
Hi Mart, this is my first time to encounter this concern, so sorry I can’t give an accurate advice. But I’m sure you can return the check (antayin na lang yong check kasi na-generate na, I assume, kasi sabi mo inaantay na lang) with a letter to SSS explaining your reason for canceling. Include also a statement that you hope in the near future, SSS will consider your educational loan application when you file your loan again. Include in your letter the check no., loan amount, issuing bank branch, payee and date of check. Xerox the check and letter for your copy and have SSS stamp them with Stamped-Received mark with date and signature.
But of course before you do this, it is better to go to SSS and ask about the process. What’s important is that you get a documentary proof that you returned the check and was accepted back by SSS. Check later on in your online account if there’s something like check returned/check cancelled.
Officially enrolled na po ako at naipasa na ng mother ko lahat ng requirements sa SSS. Ang hinihintay na lang ay iyong check. Pero gusto kung mag work muna, at plano kung mag total withdrawal ng mga subjects ko. Is there any way na ma-cancel iyong loan? Or kung darating na iyong check, pwede ba namin isauli iyon sa SSS?
Hi iyah, yes, puede sa province. Basta CHED-recognized ang school. Loan processing may take longer if in the province. Yes, you can apply for an educational loan even if you have an existing salary loan, as long as you’re updated in paying your salary loan. God bless din.
Hi iyah, no, SSS does not have a specific cutoff date; but you should apply just before or at the start of the semester because SSS issues the loan check to the school — meaning para makahabol yong check na pambayad sa school. Processing may take 2 to 3 weeks or more. Also, application is done every semester.
Ms Nors, pahabol po pala, may i have an existing salary loan. Cna I still avail of this Educ Loan? thansk po sa answer. Godbless:)
Pedi din po ba ito provincial Ms. Nors?
I just found out about this Educ loan recently. My brother is my beneficiary, he’s in hi 3rd year in college and I would like to apply for the Educ loan next week. Do they have a cut off date when we can only apply for the Educ Loan?
Thanks for the answer. super helpful po ang blog niyo.
Hi Ana, thanks a lot for sharing and for appreciating my blog. Makes me happy. It’s good that your check is already generated; some are complaining here that their applications have not yet been encoded.
God bless too.
Hi Ms. Nors. Thank you for your blog. It’s very helpful and informative.
I also applied for the loan on May 27th and it was encoded on my SSS online account on June 3rd, showing the details of my loan. I checked back after 2 days and saw that the check has been generated dated the same day the 3rd of June. I hope I would also be able to receive the check within the 2week time frame.
Again, thank you for this blog. It gave me just the right info I was looking for. God bless.
Hi Shiela, yes, you can apply in Marikina because it’s where you live. Sabi naman ng SSS ay nearest your place of work or residence. Yes, you can apply for an educational loan even if you have an existing salary loan, as long as it’s updated. And I think your loan is considered updated because your first payment is not yet due.
Hi Richelle, yes, you can most likely get an assessment with your child not yet enrolled, but there’s a portion in the loan application form where the school needs to certify and sign that your child is enrolled or has applied to enroll. If you’re planning to apply for school year 2014-2015, then your contributions would have been posted by then, so contribution posting would not be a problem. Application for the loan would be every semester; so the good thing to do is enroll early with minimum down, and then apply for the loan. Processing took only 2 weeks when the program was new. But as the number of applicants increase, it’s now taking longer. Loan amount would be the same as the total of school fees up to 20k. Thanks a lot for appreciating my blog. Makes me happy. best regards
Hi, regarding po dun sa assessment, can we request one from the school even the student is not yet enrolled? And the last time I went to the SSS branch here in our area (Malabon), hindi pa daw updated/posted ung last 3 months of my contribution ko, which is one of the qualification and that I should address the concern to my employer so they can do update in the remittance. When I checked back with my employer, they said they remitted the contributions already for this quarter and even assured me that they have receipts of payment(1st quarter of 2013)from SSS. Late lang nga kaya ung posting and what should I do about it? And kailan po ung start ng application for SY 2014-2015?
Your site is very helpful po and it addresses almost every concern regarding this particular topic. Thank you so much!
Hello I would like to ask if i can apply for sss educational loan assistance in any SSS branch? I am employed and our company SSS branch is in Makati. Is it ok if i will file it in SSS Marikina.My sister will file it on my behalf and Makati is too far from where we live. Another,Am i still qualified to apply for educational loan for my brother even if i have an existing salary loan. I only got the salary loan check last week May 29 and will start paying on July 2013.
Hope to hear from you. Thank you and God Bless
Hi christian, when this loan was newly launched, it took only about 12 days from application and check generation to check delivery. But now it takes longer because of the suddenly large number of borrowers. It’s taking about a month now. You can check your application through your online SSS account. How to Enroll in online SSS
I apply for educational assistance loan last may 27, 2013 at SSS PASIG SHAW brach,,,how many days should I wait to confirm if my loan is approve and how many days to receive the check,, thanks…
Hi KC, the amount of the loan depends on the actual school fees paid, so in effect, you will be applying for a loan of less than 1,000. Feeling ko parang it’s not worth the effort and the expenses for the documents. At babayaran mo rin ito later on. Manghiram ka na lang kaya sa tita mo. wish you the best in your studies and future career
Hi helen, maybe processing takes longer now because of the increased number of applicants. Keep checking your online account to see if your application is already encoded. About 2 applications, yes, you can apply for your 2 daughters — it’s in the new circular for SSS educational loan.
Hi Ms. Nors, What if this case: The student is studying in State University, Polytechnic University of the Philippines to be specific. And the statement/ billing of the school is less than 1000php. Would SSS grant it? If would be great help for semeter allowance. Thank you…
I applied for educational assistance loan and submitted the complete requirements last April 29, , 2013, in IMakati branch unfortunately I didn’t receive any confirmation the status of my application. I even tried checking it through online on my account.It stated there No application for educational loan, even I gave it already last april 29,2013.How can I verify ?does it take 1 month to approve educ. Loan of sss member? And I though if youre a married member of SSS and qualified you can apply for your 2 daughter’s. Is that possible or not?.. Thanks! I hope I can be given an answer
Hi hazel, I’m assuming your sister’s university don’t accept personal checks, but they should accept SSS checks — these checks are good as cash — most often they clear the next day. You talk to the head cashier or finance officer, and ask them to please accept SSS educational loan check. If they will not accept, you can file a complaint to CHED or SSS. You can also mention the name of the school here and address and we will email the school.
hi ms. nors,
what if my sister’s university don’t accept check for her school payments?
Hi melissa, maybe the encoding and approval time has become longer because of the increased number of applicants. I hope within this week, you’ll see Check Generated or Application Settled in the Loans portion of your online account. From date of check generation or approval, the delivery time via registered mail is about 2 weeks.
I applied for educational assistance loan and submitted the complete requirements last May 2 , 2013 in Imus branch unfortunately I didn’t receive any confirmation the status of my application. I even tried checking it through online on my account.
No date/s specified on the acknowledgement stub for me to at least verify.
Thanks! I hope I can be given an answer .
Hi Kat, thanks too for appreciating my answers. God bless too
Ok Nors. Thank you so much for answering my questions. Have a great day ahead. God bless.
Hi Kat, yes, you can get your SSS no. on the same day. Bring your NSO-issued birth certificate (orig and xerox), fill up E1 form, and then submit to get your SSS no. Xerox this SSS-stamped E1 form, and then submit your educational loan application documents, including the E1 form copy.
I read that xerox copy of the stamped SSS E1 form of your child, spouse or sibling. (Your child or
sibling needs to get his/her own SSS no.)is one of the requirements. How can I get my own SSS no? Do I need to have it before submitting the application or can I get it when I’m at the office to submit the application? My sister is going to file this loan for me. Thank you.
Hi remy, you can check your online SSS account. It says there if your application has been examined and later if your check has been generated. The checks will be delivered via registered mail within 2 weeks after check generation. If not yet enrolled, here’s how to enroll: http://sssphilippinesnotes.blogspot.com/2013/02/how-to-enroll-in-online-sss.html
paano kopo malaman kung approved yong educ. loan para sa 2 anak ko? pag binigay ba yong acknowledgement stub sayo ng sss, ibibg ba sabihin noon, approved ang educ loan ng 2 anak ko.below 25 ang salary ko at lahat naman na submit ko kailangan para sa educ. loan.paano ko malaman kung approve napo at mag kaka tseke na para sa school?
Hi Kat, SSS needs the assessment/billing statement, so they will know how much to lend to you. Technically, you cannot apply for this loan in advance because there’s a portion in the application form where the school will certify that you are already enrolled or has applied for enrollment.
Can I still submit my application even if I don’t have my assessment/ billing statement from my school? Our general registration is scheduled on June 4-6, 2013 so I can’t have them now. Thank you.
Hi JOI, the name on the check (Payee) will be ADU so only ADU can encash the check. Ask ADU cashier/finance if they’re refunding excess payments. Explain to them why there’s excess payment. In other schools, excess payments are put on hold and used to pay for the next semester. Have a good day too, and wish you blessings as you support your brother through school.
Hi nors!say for example ,I already enrolled my brother in ADU and I just paid half of the tuition fee for the first semester,given that the maximum loanable amount is say,20k,and since i already paid 8k ,can i just use the remaining amount to buy him new clothes,shoes,utilities he’ll be needing in school?can i withdraw the check?thanks 🙂 have a good day!!!
Hi jess, yes, you can contribute again so you can apply for this educational loan. No, there’s no rule about minimum contribution; you can choose 104 pesos or 156 pesos or any amount. The loan amount will depend on the actual total of school fees that you will pay, up to 20k, and not on your SSS contribution amount.
It is the Salary loan that depends on monthly contribution amount. best wishes on your study plans.
hi miss nors. ive been unemployed for 2yrs so ganung katagal na rin po ako di nakapagcontribute, but i’m planning to study again. will i be able to avail educational loan for myself by paying as a voluntary member? i was also wondering if they have minimum amount of contribution, kasi parang may nabasa rin ako sa mga blogs na depende sa contribution yung amount na loanable. thanks…
Hi Mae, yes, as long as the member is qualified. Check requirements and eligibility above. best regards
Hi! Pwede po ba na ang gagamit ng loan is the SSS member mismo, if babalik sa school to finish the studies?
Hi rocheall, yes, but only if you’re unmarried, and it’s for only one sibling, and the same sibling all throughout — substitution is not allowed.
can i loan for my siblings education?
Hi dex, the loan rules did not specify the maximum no. of years, but in the loan form’s check box where you check your current year, the highest is 5th year. For medicine and law proper, we have to ask SSS.
Can this loan be applied to a FIVE year (or more years) college course eg; Accountancy / Medicine/ Law? Thanks.
Hi adriane, yes, you can apply for an educational loan for your child even if you have an existing salary loan… because your salary loan is updated. Check also the other educational loan requirements described above.
i still have remaining P19,000.00 salary loan and paying it updatedly. Can I avail of this educational loan for my child who is now going to college?