Apply for an SSS Educational Loan Now

SSS Educational Loan

If you need additional funds for your children’s college tuition fees, you may seek help from the Social Security System (SSS) through the SSS Educational Loan Program.  This is open to SSS members who meet the following criteria:

(a). Payments for existing salary/housing loan amortization must be updated.  Overdue amount must not exceed three (3) monthly loan amortizations;

(b). Member must have paid at least thirty-six (36) monthly contributions, three (3) of which should be within the last twelve (12) months prior to the date of application of the loan;

(c). Member’s last posted Monthly Salary Credit must be Php15,000 or below while actual monthly basic salary must not be more than Php25,000.

Amount of Loan a Qualified Member may Apply For

The loan amount is determined primarily by the type of course the member or beneficiary is taking up.

(a). Degree Courses – Maximum of Php20,000.00 per semester/trimester/quarter term or actual tuition/miscellaneous fees, whichever is lower, rounded off to the next higher Php100.

(b). Vocational/Technical Course (minimum of 2 years) – Maximum of Php10,000 per semester/trimester or actual amount of tuition/miscellaneous fees, whichever is lower, rounder off to the next higher Php100.

A 6% interest per annum based on diminishing principal balance shall be applied on the loan amount.  For unpaid loan amortizations, a 1% penalty shall be applied per month.

Who can be covered by the program?

The proceeds of the educational loan can be used by the following:

(a). Member-borrower

(b). Member-borrower’s legal spouse

(c). Child of SSS member (including illegitimate)

(d). Siblings of unmarried SSS member (including half-brother/sister)

A married member-borrower are allowed to apply for up to two (2) beneficiaries, including himself.

What are the required documents for application?

(a). SSS ID or two (2) valid IDs.

(b). Accomplished application form.

(c). Assessment/Billing statement issued by the school of member/beneficiary.

(d). Proof of monthly salary/income.

(e). Income Tax Return or affidavit of income (for self-employed/voluntary paying).

You may download a copy of the Educational Assistance Loan form here.



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29 thoughts on “Apply for an SSS Educational Loan Now

  1. sir mag 1yr and 5 months na po ako member at naghuhulog monthly pwede na po ba ako mag avail ng sss educ. loan ty po

    1. Hi Andrew,

      Ito ang listahan ng mga eligibility requirements para mag qualify sa education loan ng SSS:

      1. All currently employed, currently contributing self-employed or voluntary member.

      2. Member-borrower must have at least twelve (12) posted monthly contributions with at least one (1) contribution
      within the last three (3) months prior to the date of application for loan; if without one (1) contribution for the last
      three (3) months, member-borrower shall pay and present proof of payment.

      3. Member-borrower whose last posted Monthly Salary Credit (MSC) is Php15,000 or below, provided that his/her
      actual monthly basic salary or income is not more than Php25,000; member-borrower who falls under MSC of
      Php15,000, must present proof of actual monthly salary/income of not more than Php 25,000.

      4. Members who are up-to-date in the payment of salary/housing loan amortization. If with overdue amount, it must
      not exceed three (3) monthly loan amortization.


    1. I-check mo ang SSS account mo online. Makikita mo dun kung hanggang sa anong buwan yung payments mo. Malalaman mo din dun kung ano pang buwan ang hindi nabayaran.


  2. Sir nag file ako ng condonation Sa sss, sept.5,2012.ang kailangan ko bayaran 14,857.65.ang monthly amortization ko ay 617.02 for 2years.buwanbuwan ako kinakaltasan ng opis hanggang two years.after two years nag loan ako na deny ang loan ko.ano gagawin ko? Maraming salamat po.

    1. Hi Edwin,

      1. ANo daw ang rason kung bakit na deny ang loan mo?

      2. Nag check ka na ba sa SSS account mo online kung nag reflect na sa account mo yung full payment mo?


  3. As per SSS, this is currently on hold. They’re not accepting new applicants. Yung subsequent application lang ang pwede for now. I went in their Marikina branch to submit application but they didn’t accept it and couldn’t tell when they can accept again. Do you know?

    1. Hi Jeong-jeong,

      Basta’t naka kumpleto ka ng 36 monthly contributions (kahit hindi consecutive at may mga buwan na nalibanan), at ang tatlo dun ay bayad within the last 12 months bago ang petsa ng iyong pag file ng educational loan, pwede kang mag avail.


  4. Nag apply na po ako ng SSS Educational Loan pero rejected dahil po sa monthly salary credit na 15,000 nasa 16,000 na po ang salary credit ko pero di po umabot ng 25,000 ang monthly basic salary may employer’s certificate naman po, malaking tulong sana sa amin eto dahil 2 po ang college students at 1 high school na ang mga anak ko.

    1. Hi Pancrasia,

      Ang SSS ang nagpapasya ng approval ng mga loan applications. Pwede kang mag inquire sa kanila para maipaliwanag ng mabuti kung bakit na-reject ang application mo.


      1. is it true po na nahold po ang pagrelease ng sss ng pang educational loan po|? hindi na po ba kami makakapag loan for this sem po? please advice po

      2. Hi Angel,

        Please coordinate with the nearest SSS office in your area for verified information. Also, may prescriptive period ang application at filing ng SSS Educational Loan. IBig sabihin, kung hindi umabot sa cut-off ang submission mo, maaari nga itong ma-cancel.

        Please call SSS for more information.


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