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SSS Educational Assistance Loan Program


The Social Security Commission in its Resolution No. 323-s. 2012 dated April 30, 2012 approved the following guidelines in the implementation of the SSS Educational Assistance Loan Program:
National Government (NG):  PhP 3.5 billion
Social Security System (SSS):  PhP 3.5 billion
Total Fund Allocation:  PhP 7.0 billion

  1. SSS Members who 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 for loan;
  2. Members whose last posted Monthly Salary Credit (MSC) is PhP10,000 or below;
  3. 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 amortizations.
  1. Member
  2. Legal Spouse
  3. Child of SSS Member (including illegitimate)
  4. Sibling of unmarried SSS Member (including half-brother/sister)
  1. Degree course - Maximum of PhP15,000 per semester/trimester or actual tuition/miscellaneous fees, whichever is lower; rounded off to the next higher PhP100.
  2. Vocational/Technical course (minimum of 2 years) - Maximum of PhP7,500 per semester/trimester or actual amount of tuition/miscellaneous fees, whichever is lower, rounded off to the next higher PhP100.
The amount shall be funded on 50:50 basis from the NG and SSS.

A member shall be allowed avail only once to defray educational expenses. No substitution of beneficiary shall be allowed.

All semestral/trimestral releases shall be consolidated at the end of the one-year grace period after completion of the course, including the accrued interests from the actual dates of releases up to the date of consolidation. The consolidated amount shall be the principal loan to be amortized over the preferred term.

  1. NG Portion - zero interest
  2. SSS Portion - 6% interest per annum based on diminishing principal balance until the loan is fully paid. The consolidated loan (composed of semestral/trimestral releases plus accrued interests) will charged 6% interest per annum based on diminishing principal balance, until full payment of the loan.
A 1% penalty per month shall be charged for any unpaid amortization.

  1. SSS ID or two (2) valid IDs.
  2. Accomplished application form.
  3. Assessment/billing statement issued by the school of member/beneficiary.
Any excess on the tuition/miscellaneous fees shall be borne by the member/beneficiary.

  1. The check shall be payable to the school where the member/beneficiary is enrolled/applied for enrollment and shall be released to the member/beneficiary.
  2. Subsequent loan releases shall be made upon submission of another accomplished application form and corresponding assessment/billing statement from the school. Validation by the SSS may be done to ensure the continuous schooling of the member/beneficiary.
  1. Degree Course - The term is up to five (5) years and loan payment shall start after 18 months for semestral courses or 15 months for trimestral courses from the scheduled last release date for from the date of last release for those who will not avail of the subsequent releases.
  2. Vocational/Technical Course - The term is up to three (3) years and loan payment shall start after 18 months for semestral courses or 15 months for trimestral courses from the scheduled last release date or from the date of last release for those who will not avail of the subsequent release.
Any unpaid educational loan shall be deducted from the future benefit of the member.


The school must be accredited by the Commission on Higher Education (CHEd) for degree courses and Technical Education and Skills Development Authority (TESDA) for vocational/technical courses.

  1. SS Number shall be issued to a non -member beneficiary for the purpose of tracking him when he gets employed, in the event of delinquency by the member-borrower.
  2. The SSS reserves the right to require additional documents as deemed necessary.

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"SSS Educational Assistance Loan Program" was written by under the Philippine Government category. It has been read 39692 times and generated 5 comments. The article was created on and updated on 02 June 2012.
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Total comments : 5
laura young   (31 October 2016 1:10 PM)
Valuable analysis , I learned a lot from the specifics , Does someone know where my business might be able to locate a sample CA SAWS 2 PLUS version to type on ?

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rr   (23 April 2013 5:15 AM)
Is there a way that you can pull down the contribution period contributed in each member to avail this program?i've been contributing and a member of sss for 2 year now, and i guess, as your requirements i still need to continue contributing for 1 year to make it 36 months contribution did. right? Is there a way that you can make this up to me? considering that my salary is above minimum ranging from 12k-17k? Thank you.

Fernando M. Rubio Jr.   (11 April 2013 9:19 AM)
Good day!
I am a working student and I wish to avail the sss educational plan for my education. Can you extend the help I need? How will I be able to avail? Please help me for I want to finish my studies so I can help my parents and my other brothers and sister. Thank you very much.

salve villar arizapa   (31 August 2012 6:17 AM)
im am an ofw mother can i apply for educational loan for my daughter because my salary here in ksa is only low thank you very much