Implementation of Study Now Pay Later

Plan (SNPLP) per Section 10 (C)

of Republic Act No. 8545

STUDY-NOW-PAYLATER-PLAN
PROGRAM (SNPLP)

In accordance with the pertinent provisions of

Republic Act No. 7722, otherwise known as the Higher
Education Act of 1994 and in consonance with Section
10 (c) of Republic Act No. 8545, also known as the
Expanded Government Assistance to Students and
Teachers in Private Education (GASTPE) Act that
Any loan granted under the Section shall be paid
by the student-debtor after he has finished the
course or profession for which the proceeds of the
loan was expended, but only after a period of two
(2) years from the time he has acquired an
employment: provided, however, that interest at the
rate of not more than six percent (6) per annum
shall accrue to the balance thereof, hereunder is
the interpretation of the above subject by CHED Legal
Service:
1. The student is a debtor to CHED for the amount

2.
3.
4.

Commission on Higher Education

OFFICE OF STUDENT SERVICES

5.

3rd Floor HEDC Bldg., C.P. Garcia Avenue, Diliman, Q.C.

TeleFax No. (02) 988-0001

TelNos. (02) 382-5473, 441-1220
Trunkline Nos. 441-1404/441-1257/441-1149/441-1261/
441-1260/441-1258/441-0927
Email address: oss@ched.gov.ph

6.

of loan that he or she availed of under the

SNPLP Program.
The loan should have been spent to enroll in a
degree program or profession.
The student should have graduated from the
degree program enrolled in.
The student-debtor is obliged to pay CHED the
amount of loan availed of only two (2) years after
acquiring an employment. If he/she has not
acquired gainful employment, then the period of
two (2) years does not even begin to run.
The interest shall accrue only after the
conditions mentioned in Nos. 1 to 4 above have
been met, or actually exist. In this case, the
period of repayment will actually commence
even if the student is subsequently not able to
sustain that job and becomes unemployed
again.
The student-debtor may pay directly to any
CHED Regional Offices or to the CHED Central
Office through the Office of Student Services
(OSS).

CHED REGIONAL OFFICES

CHEDRO 1

CHEDRO 8

Government Center, Sevilla,

City of San Fernando, La Union
TelNo +63(072)242-0238/5017; 700-2569
TeleFax +63(02)242-2750

Cor. Real Street and Calanipawan Road,

Sagkahan, Tacloban City
TelNo +63(053)523-7437
TeleFax +63(053)523-4034

CHEDRO 2

CHEDRO 9

Regional Devt Center, Carig,

Tuguegarao City, Cagayan
TelNo +63(078)844-4872; 846-3635
TeleFax +63(078)846-4887

Polytechnic Compound,
Baliwasan Chico, Zamboanga City
TelNo +63(062)991-7648; 991-8974, 991-7080
FaxNo +63(062)991-7649

CHEDRO 3

CHEDRO 10

Regional Devt Center, Maimpis,

City of San Fernando, Pampanga
TelNo +63(045)455-1662; 436-1846 to 47

Archbishop Hayes St., Cagayan de Oro City

(Beside Xavier University)
TelNo +63(08822)71-1231;
TeleFax +63(08822)72-4180

CHEDRO 4A

CHEDRO 11

2nd Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC

TelNo +63(02)332-4734; 332-3943

Loyola St. Obrero, Davao City

TelNo +63(082)295-3418 local 108

CHEDRO 4B

CHEDRO 12

2nd Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC

TelNo +63(02)386-4781

Carpenter Hills, Koronadal City

TeleFax +63(083)520-1011

CHEDRO 5
CHEDRO Bldg, EMS Barrio South,
Brgy2, Legaspi City
TelNo +63(052)481-5096; 820-4813
FaxNo +63(052)481-5095

CHED National Capital Region

2nd

Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC

TelNo +63(02)468-0213; 441-1224 / 0453;
441-0879 / 0985

CHEDRO 6

CHED Cordillera Administrative Region

12 Washington St., Jaro, Iloilo

TelNo +63(033)508-8852
TeleFax +63(033)320-6976; 329-5955

BSU Compound, La Trinidad, Benguet

TelNo +63(074)422-2415,FaxNo +63(074)422-2418

CHEDRO 7

CHEDRO CARAGA

National Government Center, Sudlon,

Lahug, Cebu City
TelNo +63(032)414-9194 to 95

CSU, Ampayon, Butuan City

TelNo +63(085)342-5253; 815-2429
TeleFax +63(085)815-0831
CHED ARMM

2/F DILG 12 Bldg., ARMM Compound, Cotabato City

TelNo +63(064)421-9575
Ver08.29.2013