Kristel Tejada could have availed of SSS educational loan to pay tuition

The life of Kristel Tejada, the UP Manila student who committed suicide due to her inability to pay tuition, could have been saved if only she was able to avail of an educational loan being offered by the Social Security System.

SSS has an Educational Assistance Loan Program, also known as Educ-Assist, which is similar to the ‘study now, pay later’ scheme.



The agency on its website stated that the program helps workers and beneficiaries borrow enrollment funds for college, technical and vocational courses.

Under the program, SSS members can borrow as much as P15,000 per semester.

According to its guidelines, the following can be eligible borrowers:
  • SSS members who have paid at least thirty-six (36) monthly contributions, three of which should be within the last 12 months prior to the date of application for loan;
  • Members whose last posted Monthly Salary Credit (MSC) is P15,000 or BELOW provided that his actual basic salary is NOT more than P15,000 per month;and
  • Members who are up-to-date in the payment of salary/housing loan amortization. If with overdue amount, it must not exceed 3 monthly loan amortizations.
Covered beneficiaries are SSS members, legal spouse, child (including illegitimate), and sibling of unmarried SSS member (including half brother/sister).

The amount of loan, requirements, and other details can be viewed on the following embedded document:



Kristel’s father is a taxi driver and her mother is a plain housewife. It’s not known if one of her parents is an SSS member.