The GSIS Restructuring Program for Service Loans (RPSL) is designed for government employees, pensioners, and inactive GSIS members who have defaulted on their service loans.
It aims to give borrowers an opportunity to settle their past due accounts through more affordable payment options.
By offering reduced interest rates, penalty waivers, and flexible installment plans, the program helps borrowers pay off their loans in a way that fits their financial situation.
The cost will vary depending on the loan amount, payment terms, and chosen downpayment percentage.
This program covers various loan types, including salary loans, emergency loans, and policy loans, making it a comprehensive option for GSIS members in need of debt relief.

Who Can Apply for RPSL?
The RPSL program is designed for the following individuals:
- Inactive members who have already left government service.
- Old-age pensioners receiving pensions from GSIS.
- Former RPSL borrowers who need to restructure their loans again (without condonation benefits).
- Active members who returned to government service but have outstanding loans for more than six months.
What Loans are Covered Under RPSL?
RPSL applies to several GSIS loans, including but not limited to:
- Salary Loan
- Enhanced Salary Loan
- Restructured Salary Loan
- Emergency Loan Assistance
- Member’s Cash Advance
- eCard Plus Cash Advance
- Consolidated Loan
- Enhanced Conso-Loan
- Emergency Loan
- Home Emergency Loan Program
- Study Now, Pay Later
- Fly PAL, Pay Later
- Educational Assistance Loan
- Stock Purchase Loan
- Policy Loan
- Optional Policy Loan
- GSIS Financial Assistance Loan (GFAL)
- Multi-Purpose Loan
- Computer Loan
Some loans, like real estate loans, pension loans, and emergency loans for pensioners, are not included in the RPSL program.
Benefits of Applying for RPSL
The GSIS Restructuring Program for Service Loans offers numerous advantages, making it easier for borrowers to manage their debts:
- Stopping Additional Interest, Penalties, and Surcharges: Once you are enrolled in the program, interest and penalties will no longer accumulate, helping you stabilize your outstanding loan balance.
- Condonation of Penalties and Surcharges: Penalties and surcharges are waived, reducing your total debt.
- Flexible Installment Plans: Choose a payment plan that fits your financial capacity, with several downpayment options available.
- Extended Payment Period: You can spread your payments over a period of one to five years, easing the monthly burden.
- Convenient Payment Channels: You can make payments through various methods, such as GSIS branches, accredited external payment centers, online bank apps, salary deduction (for active members), or pension deduction (for pensioners).
- Maintain Good Credit Standing: Enrolling in the RPSL program helps you maintain your creditworthiness by addressing your outstanding loan obligations.
- Avoid Legal Consequences: Regularizing your debt under RPSL protects you from possible legal action related to unpaid loans.

Payment Terms and Interest Rates
The RPSL program provides flexible payment terms, giving you the choice of different downpayment percentages. Depending on your financial situation, you can opt for:
Downpayment Percentage |
Interest Rate on Remaining Balance |
10% |
6% |
25% |
5% |
50% |
4% |
75% |
3% |
The remaining balance can be paid over one to five years, based on the payment terms you select.
How to Apply
Applying for the GSIS Restructuring Program for Service Loans is simple and can be done in a few steps:
1. Prepare the Required Documents
Before you start your application, make sure you have the following documents ready:
- Completed application form: The form must be filled out and signed by you or your authorized representative.
- Photocopy of valid identification: You will need to provide a copy of your GSIS eCard, PhilID, valid passport, or two other government-issued IDs showing your date of birth and signature.
- Special Power of Attorney (SPA): If you are applying through a representative, you must submit a notarized SPA.
- Updated contact information: Make sure your mobile number and email address are current so that GSIS can contact you about your application.
2. Submit Your Application
You can submit your application through one of the following channels:
- Over-the-Counter: You can visit any GSIS branch to submit your documents in person.
- Courier Service: If you prefer, you can send your application and documents via courier service to your nearest GSIS office.
- Email: Applications can also be submitted via email. Check the GSIS website for the correct email address of the branch handling your account.
- eGSISMO: If you have a GSIS Member Online account, you can submit your application electronically using this platform.
3. Choose Your Payment Plan
Once your application is approved, you will need to select a payment plan. The program offers flexibility, with downpayment options ranging from 10% to 75%. You can then pay off the remaining balance over a period of one to five years, depending on your chosen payment terms.
Application Form
The GSIS Restructuring Program for Service Loans (RPSL) Application Form can be downloaded directly from the GSIS website at this link.
This form is important for members and pensioners who wish to apply for the RPSL program, offering them a way to restructure their outstanding service loans with more manageable payment terms.
To apply, simply download and fill out the form, then submit it via over-the-counter at any GSIS branch, by email, or through courier services.
Make sure to include the required documents, such as photocopies of your GSIS eCard or valid IDs, and submit via your preferred channel.

Frequently Asked Questions
- Can Old-Age Pensioners Apply for RPSL?
Yes, old-age pensioners are eligible for the RPSL program. However, their Basic Monthly Pension (BMP) must be sufficient to cover the monthly installment of the loan, with at least 25% of their BMP remaining after the loan deduction.
- What Happens if I Have Unclaimed GSIS Benefits?
If you have any unclaimed GSIS benefits, your outstanding loan balance will be deducted from those benefits before your RPSL application is processed.
- Can I Preterminate My RPSL?
Yes, you can pay off the entire balance of your loan at any time without incurring additional fees.
- What Happens if I Default on My RPSL?
If you fail to make payments for six consecutive months, the loan will become due, and GSIS may impose penalties. Interest on the remaining balance will be raised to 12%, and a 6% surcharge will be applied, compounded monthly.
- What Payment Options Are Available?
GSIS offers several convenient payment methods:
- GSIS Branches: You can pay by cash or manager’s check at any GSIS branch.
- Accredited Payment Centers: Payments can also be made at accredited centers, such as Bayad Center, M. Lhuillier, and USSC.
- Online Bank Apps: Use the mobile or web apps of UnionBank or LandBank to make your payments.
- Salary Deduction: Active members can opt for salary deduction.
- Pension Deduction: Pensioners can have the payments deducted directly from their pensions.
Conclusion
The GSIS Restructuring Program for Service Loans (RPSL) provides a much-needed solution for members who are facing difficulties in paying off their outstanding loans. With flexible terms, reduced interest rates, and waived penalties, this program can help you regain financial stability and manage your obligations more effectively.
For more information or to begin your application, visit the GSIS website or contact your nearest GSIS branch.