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Friday, July 25, 2014

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SSS Educational Loan

Jermelyn Ferrer
April 29, 2013
pwede po b mag mag avail ng educational loan khit my existing salary loan?

Kaydee
April 29, 2013
Hi Jermelyn, yes, you can avail even if you have an existing salary loan. Just make sure you're updated in paying your salary loan.

Jermelyn Ferrer
May 1, 2013
thank you so much for the info. kaka-renew ko p lng po ng salary loan ko at sa June 2013 pa po ako mag start ng payment.

MKJ
May 16, 2013
Can we not use this for elementary? Also, what if my salary is 35K. Kasi I have 3 kids and am a single mom po.

kudo
May 22, 2013
gano po katagal ang pagprocess ng loan?

cindy
May 29, 2013
gusto ko po i-continue ang contribution ko which stopped last 2005 pa and my monthly contri that time was 676pesos,i was employed that time. Now po gusto ko magvoluntary,how much po magiging monthly ko?my husband gives me only 2,000p allowance every month..tnx

cindy
May 29, 2013
i am a plain housewife at present..

joveahann cuizon
May 30, 2013
hello po SSS, ask ko lang po, member na po ako ng SSS, gusto ko po sanang mag-aral at kelangan kong magstop mg-work. nakapasok naman yong qualification ko. doubt lng po ako kung makakaloan pa po ba ako for myself even ma-stop ako ng work. need ko po talaga ang answer. salamat po

Kaydee
May 30, 2013
Hi joveahann, as long as you're qualified, you can receive your educational loan even if you're no longer working. But to be very sure, don't resign yet. Wait until you receive your check. Ang kaso lang... kelangan kasing naka-enroll ka bago ka maka-apply ng loan na ito dahil pipirmahan ng school
ang application form and you need to get your assessment or fee payment from the school.

arlita pilapil
May 31, 2013
kailangan po ba mag ma pa change as voluntarily payer or kahit hindi na kasi young dati may hulog namin ay para sa employed. pwede na po ba magbayad ng diretso as voluntarily.

cindy
June 1, 2013
bkit walang reply sakin???????

Kaydee
June 3, 2013
Hi cindy, parang nasagot ko na itong question na ito. Anyway, sorry. You can pay any amount that you can sustain every month. Maybe 312 or choose between 104 to 520. Once you start with an amount, you can pay the same every month, or you can change it by 1 or 2 brackets every month. If you change to a much
bigger amount, by more than 2 brackets, fill up the Declaration of Earnings at the lower portion of the RS5 form

Kaydee
June 3, 2013
Hi MK1, sorry, this is for college and vocational students only. And sorry, you're not eligible because your income is higher than the maximum income limit which is 25k per month.

Kaydee
June 3, 2013
Hi kudo, it was fast when the program was new -- the check is delivered in less than 2 weeks. Now, there are a lot of applicants, and the line is long. It might take a month or more now.

Kaydee
June 3, 2013
Hi arlita, do you mean your employer registered and paid for/remitted your contributions before? If so, yes, you can pay your voluntary contribution directly using RS5 form; check Voluntary. When this is posted, your status automatically changes to Voluntary. How to Enroll in My.SSS

mart0155
June 13, 2013
Hi po! 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?

justine
June 24, 2013
hi good morning, just incase na ang bayad ako ng full sa school maiirefund ba ng school ung binayad ko if mag avail ako ng educational loan sa SSS

jack ford
July 6, 2013
gud pm. the check will be under the name of the school, right! in case there will be extra change from the proceeds, will the school give the (sukli) back to the loaner? thanks

Kaydee
July 7, 2013
Hi justine, dapat mag-refund ang school. Pero depende sa school. Merong school na mahirap kausapin. Ganunpaman, kausapin ninyo ang accounting or finance manager ng school. Puede ring gamitin nio yong check sa susunod na semester (basta hindi lalampas sa 6 months; magiging stale na ang check after 6 months). Or para sure na hindi ma-stale ang check, gawin niyong advance payment for the next semester.
Ang ginagawa ng iba, minimum down lang ang binabayaran, o nagsusulat muna ng promissory note while waiting for the loan.

Kaydee
July 7, 2013
Hi jack, dapat magsukli o mag-refund ang school. Kausapin nio ang cashier o accounting dept. Merong school na ayaw magrefund, gusto pang-advance payment na ang sobra. Pero talk to them.

Kaydee
July 7, 2013
Hi mart0155, I think nasagot ko na itong question na ito. In another post ko nasagot? The best thing is to go to SSS and ask what to do. Ganunpaman, ang suggestion ko ay ito: Pagdating ng check, xerox the check, 2 copies . Write a letter to SSS with your name and SSS no., requesting the cancellation of your educational loan. Explain why. Write also in the letter that you are returning the "unencashed and unnegotiated SSS check". Write details of check: check no., check date, payee name, bank name, bank branch, check amount. Xerox your letter. Submit to SSS. Request the SSS officer to stamp Received and sign your letter and your check copy. This is important; this is proof that you returned the check and that the check was not encashed.

Kaydee
July 7, 2013
Hi mart0155, write also date of letter. Check from time to time your online account kung na-cancel na ang educational loan mo.

Lesley
July 7, 2013
helo pwede ba maging beneficiary ang married sibling...

Kaydee
July 11, 2013
Hi Lesley, I think so, yes, basta single yong SSS member na mag-a-apply for the loan. Kasi sa rules, wala namang sinabing the beneficiary sibling should be single; at yong kahit sa anak na beneficiary, hindi naman sinabing dapat single yong anak; pero hindi ko pa rin sure ha -- ask SSS or others too.

Nors
July 19, 2013
About LOAN CHECK VALIDITY: I mentioned in one or 2 of my responses na ang loan check magiging STALE or INVALID in 6 months -- this is the usual validity period for checks. I found out just now that SSS educational loan checks expire faster! 3 months lang. Nasa check mismo ang validity date. So use check asap, before expiry date.

ADRIANE FAUSTINO
August 2, 2013
where will i surrender the educational loan voucher? and when will be the deduction will start? is it a year after the student finished the course?

Kaydee
August 3, 2013
Hi Adriane, keep the vouchers. SSS says that borrowers will start to pay the aggregated loans one year after course completion. I assume that SSS will send a document with computations and monthly amortization amount probably a semester after submission of the last loan application. Or maybe SSS will release in the near future further instructions on educational loan payment.

Renalee Betita
August 6, 2013
hi im renalee..i need your help..na block po kasi ang user id ko sa sss, so hindi po ako maka pag log in na ulit..can you help me kng ano po ang dapat gawin.

Kaydee
August 8, 2013
Hi Renalee, contact SSS

mariegrace camacho
August 11, 2013
Hi Ms. Kaydee,
Maaari po ba maprocess yung application ko for educational loan. Kumpleto na po requirements ko, kaya lang po ang sabi ng SSS hindi pa daw po posted sa computer nila yung last 3 mos contribution ko, that is may, june, and july po. Kung sakali po ba na mapost na kahit isa lang po sa tatlong nakalipas na buwan halimbawa ay May or June? ay maaari na po bang maprocess ang application ko? Thanks.

yamyam
August 26, 2013
Hi Does SSS L501 form needed in applying for educational loan? The SSS Officer required me of this document pero di naman sya included sa list of documents. Thanks!

Kaydee
August 27, 2013
Hi yamyam, sa maternity benefit claim usually required ang L501, kasi from employer yan.
Pero on second thought...are you employed? and did you submit a certification from your employer about your monthly income? If yes, baka bagong requirement nila ngayon yang L501, para ma-sure nila na employer nga ang nag-issue ng certificate.

Kaydee
August 27, 2013
Hi mariegrace, yes, kapag na-post na ang at least 1 of your contributions for the past 3 months, dapat puede nang i-process ang educational loan mo. Yan ang sabi sa new rules ng SSS educ loan na kahit 1 contribution lang for the 3 months immediately prior to month of application.

rowayne mandi
October 4, 2013
Pwede po bang mag-avail ng renewal of salary loan kahit may existing educational loan and 20% balance sa salary loan?

rowayne mandi
October 4, 2013
Pwede po bang mag-renew ng salary loan na may 25% balance pa and may pending educational loan for my child?

Kaydee
October 5, 2013
Hi rowayne, do you mean you have paid 80% of your salary loan? Meron na bang 1 year since the date of your salary loan check? If yes to 2 questions, yes, you can renew your loan. The educational loan is not yet due for payment, so it does not affect your salary loan. You also can check your salary loan eligibility in your online SSS account

Kaydee
October 5, 2013
rowayne, puede ring 75%. Ang renewal time is after 50% payment and 50% loan term.

marecris barbastro
November 13, 2013
hi good day sss.. magtatanong lang po ako kng makaka avail po ba ako ng educational loan. pero hnd pu tuloy tuloy ang hulog q mula pu nung nkpg work aq jan.08 to jun.08, and sept.08 to jun.09 and jun09 to oct. 09 and feb.2012 to may2012 and last po july 2013 to oct. 2013.. makaka avail po ba ako?..
salamat po sna po masagot po ninyo last year q p po sna gsto mag aral pero hnd q po alm kng nkaka avail po ako ng educational loan.. tnx po ulit

admin
November 14, 2013
Hi! Do you have a sample of affidavit of income? And kailangan po bang  notarize ito? Thank you in advanced for your answer! :)

Kaydee
November 16, 2013
Hi marecris, yes, you can apply for an educational loan even if your contributions were not continuous. You can have gaps in your payments, as long as you have at least 12 contributions in total. And you have paid at
least 1 contribution within 3 months before you apply. You said you have paid Oct 2013, so you can file your loan this Nov or Dec 2013.

Kaydee
November 16, 2013
Hi admin, yes, your affidavit should be notarized. Kagaya rin ng mga standard affidavit, with a statement that goes something like "I declare that I earn my income by selling or by __ and that my monthly income is
___". I'll give a link later after I'm able to write a sample.

marecris barbastro
November 16, 2013
good day po, kung makapag avail po ako sa educational loan pwede rin po ba ako mag avail ng salary loan nka 30months n po ako sa sss. tnx

admin
November 17, 2013
thank you so much! I'll wait for the link. :)

Kaydee
November 17, 2013
Hi marecris, sorry, kapag salary loan, you need to have paid at least 36 contributions (for 1-month loan). So wait for 6 more, and check that they are already posted before you apply.

Kaydee
November 17, 2013
Hi admin, ito na yong sample affidavit of income logistilla

December 10, 2013
Is the educational assistance also available for law students? Thank you.

Kaydee
December 12, 2013
Hi logistilla, yes, I think so because that's also a degree course.

Brenda Pacinabao
December 17, 2013
hello, what happened if yung sss educ loan check pinapalitan sa banko at hindi sa skol nadeposit

Kaydee
December 19, 2013
Hi Brenda, ang check ay issued to the school, meaning ang payee ay school, so the bank will not encash the check.

Markdel de ocampo
January 4, 2014
hello ask ko lang po im planning to apply for educ loan this january 2014.pwede pa po ba ako? first time ko mag apply for educ loan. Thank you.

Kaydee
January 10, 2014
Hi Markdel, hindi ko sure kung meron pang funds for new applicants. Nabasa ko kasi yong circular nila na nai-allocate na lahat yong 7 billion-peso pondo sa almost 60k students at wala pang pondo for first-time applicants.

mutya deroxas
March 11, 2014
ano po ang school code??plan ko po kasing mag apply ng educational loan.

Kaydee
March 11, 2014
Hi mutya, ito ang mga school codes in Metro Manila.

sir_truvativ
March 26, 2014
Good morning Ms. Kaydee... I'll just want to ask if SSS also issue educ. loans for summer classes? You see I have already availed of the educ loan for two regular semesters for my son.Pwede rin bang magloan pang summer classes? tnx. I hope you can answer ASAP. tnx.

Shy
March 26, 2014
Hi sir_truvativ, sad to say pero hindi siguro, kasi walang puedeng i-check na Summer sa loan application form, Semester/Trimester/Quarter lang. I asked one SSS officer last year, pero malabo ang sagot. Tanong din ang isinagot: "Tingnan mo ang form... meron bang Summer sa form?"  Puede mong itanong sa FB page ng SSS, at sana merong sasagot.

Jelson Lanto
May 4, 2014
hi just asking, how many months pwede mag stop ang student na nagavail ng student loan?the student avail educatinal loan unfortunately she's pregnant and need to stop.gano katagal sya pwede mag stop before mawala yung loan?plan kasi nya ituloy..

JK
May 6, 2014
Hi Jelson, sori hindi ko sure, pero baka puede ang one semester na gap. Pero call SSS or ask your question at Facebook.com/sssph or go to SSS. Kasi ang daming naka-waiting list na new applicants.

Jelson Lanto
May 7, 2014
ah ok po salamat po sa sagot..eh how about po kung magtransfer ung student??pwede po ba un?

reylyn laririt
May 21, 2014
..gud day! ask ku lng pu kung pwede akong mgavail ng educ loan. khit last yaer ku n s college.. at ask ku lng pu kung kelan ulit mgging available ang loan program nyo kc pu galing aqu ng sss knina, ang sbi pu hndi p daw available baka daw pu nxt month.. kelangan kun pu kc. salamat. rey...

JK
May 25, 2014
Hi reylyn, sad to say, palagay ko malabo na maka-avail ka agad this sem, kasi ang alam ko wala pa silang additional funding, and there are so many applicants on their waiting list. Nag-start ang waiting list noong 2nd sem last year, when the fund was already used. Nagkakaroon lang ng movement sa waiting list if there are students who have stopped applying for their subsequent loans.

cherry offpro
May 29, 2014
Paano po ba maka avail sa waiting list nila??

JK
May 29, 2014
Hi cherry, you try to submit the requirements and ask the SSS officer to put your application on the waiting list. Based on comments online, sometimes they accept; sometime they ask you to go back when there's additional funding.

Michael Cortez
June 9, 2014
ask lng po if pwede ba macontinue yong sss educ. loan if transfer to other school and change course? kasi yong anak ko mag ta transfer ng school tapos mag change rin cya ng course nya. ty po.

JK
June 14, 2014
Hi Michael, yes, your child can transfer to another school and shift to another course, but you can borrow only for the remaining years, based on the no. of years for the course you applied for in your initial application.

Maria Fe Legaspi
June 23, 2014
greetings! This is our 3rd availment of SSS Educ loan, My question is: Di po ba P20k ang amount ng check bakit po naging Php19,700.00 na lang ang narelease sa amin ngayong June 2014? May nagbago po ba sa rules ng SSS educ loan program? Hope to hear from you soon. Thanks

Norman Villa Jr
June 24, 2014
Hi Can I still avail this program?

JK
June 28, 2014
Hi Maria, I haven't read yet any change related to your concern. Is your actual total tuition fee 19,700? If it is, then SSS will lend you only 19,700 because the rule is: loan amount is 20k or actual tuition fee, whichever is lower.

JK
June 28, 2014
Hi Norman, if this is your first time, sad to say that SSS has suspended this program for first-timers because it has used up all funds in releases and allotments for the 4-year or 5-year education of the first nearly 60,000 students who have applied first. You can apply, but the waiting list is long, and some SSS branches no longer
accept applications, and they just tell you to go back when there's news about funding.

Harlene Bautista
July 3, 2014
hello po,may i ask panu q po mala2man f ung fi-nile qng sss educ loan q s approved kc pina-received q na sa SSS ung form q nung june17,2014 peo wala po aq makita na naka-file na loan sa account q sa sss website.tnx po.hope for your response..God Bless..

JK
July 8, 2014
Hi Harlene, is this your first time to file an educational loan? If yes, your application is on hold. There are no additional funds yet for for first-time applicants. If this is a Subsequent loan application, wait a while; maybe there are a lot of applications. Check your online account from time to time.

shiela meneses
July 11, 2014
Good morning po. Gusto ko po sana mag apply ng loan para sa anak ng asawa ko sa first mrriage nya.. Kaso po di po nakalagay sa benifeciary ko ang bata.. Pwede pa kaya ipalista kahit 18 na benificiary.. One more question po pwede mgapply educ loan kahit walang id? Thanks po sa sagot.. God bless :-)

Gennovieve Angelica Venturozo
July 13, 2014
Hello po, itatanong ko lng po sana kung ung repayment dun sa educ loan eh per check or total amount na naavail, for every check po kasi na naiissued sa akin eh nakalagay eh 2 yrs. ung repayment...

JK
July 14, 2014
Hi shiela, I don't know if your stepchild can be your dependent as SSS requires a birth certificate (with you as mother written on the birth certificate). I think SSS will recognize a court declaration of adoption.
In addition, application by first-time applicants to this educational loan program has been suspended because of lack of additional funding, as I explained in the updates above.

JK
July 14, 2014
Hi Gennovieve, based on their guide, repayment will be based on the total amount of all loans issued. About a year after last loan check, they will add all loans (plus interests) and then compute the monthly payment amount.


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32 comments:

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    ReplyDelete
  2. hi po, ask q lng po f my pag-asa pa po aq na ma-grant ung subsequent educ. loan q?kc po i am an irregular 4th yr student so wen my 1st time to avail the educ loan last nov 2013 is 4th yr 2nd sem na po aq, so now 4th yr 1st sem po ulit kc dna po nabago ung year level q dhil po irreg.student aq.sabi po nla sa sss ofis na i am qualified to subseq.educ loan kso dpa nla naeencode dhil irerefer po daw nla sa main ofis but now i'm still waiting for d approval kc i really need this loan in order for me to graduate bec. i need to settle all my financial obligation in the university where i am studying.tnx po.

    ReplyDelete
  3. Thanks very much for this great article;this is the stuff that keeps me going through out these day.
    chase bank loan officer salary

    ReplyDelete
  4. Hi! Question lang po. Pwede ko pa ba ituloy yung subsequent educ loan ko for this coming pasukan even if nagstop ako nung last semester? Thanks.

    ReplyDelete
  5. And I was planning to resign sa work pro subsequent educ loan na ako, what if mgresing ako, mkakapageduc loan pb ako next semester? pwede ba yung sa kapatid ko nlng gmitin ko sss instead yung sakin?

    ReplyDelete
  6. This comment has been removed by a blog administrator.

    ReplyDelete
  7. Hi Mark, pag first time mong mag-loan, or new applicant ka pa lang, sorry wala pang available slots. Yong ibang branch they accept applications, pero the waiting list is very long, wala pa akong nababasa na new funding. Inaantay yong mga magbabayad, eh siempre gagraduate pa sila bago makapagbayad ang mga naunang borrowers. Ask others too

    ReplyDelete
  8. Good day! Magkano ba ang contribution ng voluntary member? Thank you!

    ReplyDelete




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  11. pwede po ba maka avail ng educational loan kahit last contribution ko ay noong year 2012 pa? 2 years and 4 months po yung na contribute ko sa sss.. nag stop po kasi ako ng work para ipagpatuloy ko schooling ko... and now im in my 5th year in college kelangan ko lang po talaga ng financial assistance kaya nag ask po ako if pwede po ba ako maka avail ng sss educational loan

    ReplyDelete
  12. This comment has been removed by the author.

    ReplyDelete
  13. hellow po, sarah po ito. . nag apply po ako ng sss educ loan last semester kya lng po nasa waiting list po ako, then kanina nag txt po ang sss sa papa ko saying that may budget na po for me, the problem po is, nawala po yung stub na binigay ng staff ng sss, yung nka attached po sa sss educ loan form. ask ko lng po, mkukuha pa rin ba ang check kahit wala na ang stub? tnx po

    ReplyDelete
  14. Hello po, my brother applied sss educ loan last december, kelan po ba at saan ipapadala ang cheque? sa post office pa po ba o sa sss office kung saan nag apply?

    ReplyDelete
    Replies
    1. Hi queenie ezelle, sinabi ba ng SSS officer na approved ang loan application nio? Ask your brother to enroll in online SSS so he can check if his loan application was approved. Enroll in online SSS

      Delete
  15. Hi po ask ko Lang po f available pa ba any educational loan ngayong 2016 sa sss Davao po...

    ReplyDelete
  16. This comment has been removed by the author.

    ReplyDelete
  17. Hi mam! Gusto q pong malman.nung ngstop po aq n magwork 4yrs ago,meron po akong existing loan s sss.hindi q n po nabayaran at hindi n rin po aq naghulog ng contribution. Ngaung babalik po aq s work,alam ko pong naipon n po ang interest. Meron po bang renewal ng sss account? Parang i-give up q n po ung dati kong account at ung mga naging contributions ko before can it be considered as payment nung unpaid loan q? Tnx po

    ReplyDelete
  18. Hi mam! Gusto q pong malman.nung ngstop po aq n magwork 4yrs ago,meron po akong existing loan s sss.hindi q n po nabayaran at hindi n rin po aq naghulog ng contribution. Ngaung babalik po aq s work,alam ko pong naipon n po ang interest. Meron po bang renewal ng sss account? Parang i-give up q n po ung dati kong account at ung mga naging contributions ko before can it be considered as payment nung unpaid loan q? Tnx po

    ReplyDelete
  19. hi mam! just want to ask if pde po ba gamitin ung SSS educational loan para pambayad sa balance ko sa school. na stop po kasi ako sa pag aaral tas may balanse pa po ako dun na di nabayaran.

    ReplyDelete
  20. Good noon po! Binubusisa po ba talaga ang assessment at ang payments in it tuwing kukuha ng educational loan? Or titingnan lang yun tapos dedma na po? Pls reply

    ReplyDelete
  21. Good noon po! Binubusisa po ba talaga ang assessment at ang payments in it tuwing kukuha ng educational loan? Or titingnan lang yun tapos dedma na po? Pls reply

    ReplyDelete
  22. Hi gudeve.. Maam ask ko lang po, bago lang po kasi ako ng-apply ng educational loan. Na-process na cya last month, pgvisit ko sa SSS yesterday sinabi nila sakin na waiting list daw ako... May paraan po ba para ma-approve ung application ko dahil needed na kasi magbayad sa school for exams and un lang ang inaasahan ko. Sabi kc ng SSS priority daw nila ang subsequent, pero pano nman ung mga bago na gusto mg-avail?.. Hope matulongan nyo po ako.. Tnx!

    ReplyDelete
  23. Hi po, pwede po bang maka avail ng educational loan kahit 6 months palang ung contribution?, but still nag babayad parin ako ng salary contribution.

    ReplyDelete
  24. Good day. 3 years pa lang po na avail q sa sss educational loan. 4 years course aq. Kaso irregular student dahil nag transfer aq ng school. 2nd year ang nakalagay sa registration card q nung nag apply aq sa educ loan pero ang mga subjects q ay pang first year dahil transferee aq. Hindi na po aq pinayagan mag avail this year dahil pangalawang 4th year na nakalagay sa school registration card q. Pwd po bang ate q ang mag apply ng educ loan beneficiary sakin since hindi na pwd mag avail under sa name ng papa q? Graduating na po sana aq kaso biglang nareject ung educ loan q unexpectedly.

    ReplyDelete
  25. Good day. 3 years pa lang po na avail q sa sss educational loan. 4 years course aq. Kaso irregular student dahil nag transfer aq ng school. 2nd year ang nakalagay sa registration card q nung nag apply aq sa educ loan pero ang mga subjects q ay pang first year dahil transferee aq. Hindi na po aq pinayagan mag avail this year dahil pangalawang 4th year na nakalagay sa school registration card q. Pwd po bang ate q ang mag apply ng educ loan beneficiary sakin since hindi na pwd mag avail under sa name ng papa q? Graduating na po sana aq kaso biglang nareject ung educ loan q unexpectedly.

    ReplyDelete
  26. Hello po mgttanong lang po ako kung PDE mareissued yung educ loan ng anak ko d na po ksi tnanggap ng accntng yung cheque kc Nov and expired date DNA po sya mkaenroll this
    2nd sem ano po ggawin need help po salamat.Nov 3 po ngexpire

    ReplyDelete
  27. Hi Ruby Ann: Puedeng ipa-reissue ang cheque sa SSS, kasi nga na-expire dahil sa late silang mag-issue at mag-release. Ngayon kausapin nio yong accountant ng school na kung puede magbayad kayo ng pinaka-minimum, and then kausapin nio na ma-refund yong excess kung mapa-reissue na yong cheque.
    Punta kayo sa SSS with your prepared letter addressed to SSS Officers na similar to this: "Please replace this educational loan cheque no. ___ dated ____ issued to ____. The school no longer accepted it as it's already expired. We received this cheque on ____, past the expiry date of this cheque.
    Kindly replace it as soon as possible because we don't have enough money to pay my daughter's tuition fees. Thank you very much. Respectfully yours, ____"

    ReplyDelete
  28. Puede ring "The school refused to accept it..."

    ReplyDelete
  29. Hello po. Ask ko lang po kung makakapagavail pa kaya ako ng educational loan? 2 times po ako nkapagavail nun. Tapos yung pang 3rd time napending po kaya nastop ako kase di po talaga kaya. Nagwork po muna ako nun tapos ngayon po gusto ko na bumalik sa school. Possible po kaya maapprove ako or need na I-under sa ibang name? Thanks po.

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