Pag-IBIG Health and Education Loan Program (HELPs)

The Pag-IBIG Health and Education Loan Program (HELPS) is designed to provide financial assistance to Pag-IBIG members for managing education and health-related expenses. Targeted primarily at active Pag-IBIG I members, this program ensures that a wide array of members can access these essential benefits when needed. To be eligible, members must have at least one monthly membership saving within the last six months and a total of at least twenty-four monthly savings. 

The application process is straightforward, involving documentation gathering, choosing an application method (online or over-the-counter), and undergoing a loan assessment based on the Total Accumulated Value (TAV). Members can expect clear guidelines on the loan amount they can borrow, the application steps, and the loan disbursement process, making HELPS a reliable resource for those in need of educational or medical financial support.

pag-ibig HELPs
Credits: Pag-IBIG / Facebook

Introduction to Pag-IBIG HELPs

Pag-IBIG HELPs is designed to assist members by offering financial aid for educational and health-related expenses, extending the fund’s goodwill. The program covers all active Pag-IBIG I members, ensuring that a broad base of individuals can access these benefits when needed.

Eligibility Criteria

To qualify for the HELPS, members must meet the following conditions:

  • Active Pag-IBIG Membership: You need to have at least one (1) monthly membership savings in the six months prior to your application.
  • Regular Savings: You should have completed at least twenty-four (24) monthly membership savings.
  • Previous Withdrawals: Members who have previously withdrawn their savings upon maturity or opted for early withdrawal are still eligible. However, they must have accumulated 24 new monthly savings or its equivalent since their last withdrawal.

Steps to Apply for HELPS

Applying for the HELPS involves several clear steps, from gathering documentation to submitting your application.

Gather Required Documents

To prepare for your application, collect the following documents:

  • Pag-IBIG Membership ID (MID) Card: This serves as your official identification with the Fund.
  • HELPS Application Form: Available for download at Pag-IBIG Website.
  • Proof of Income: This could be recent payslips, income tax returns, or other relevant financial documents.
  • Educational or Medical Documentation: Depending on the purpose of your loan, provide a school registration form, certification for educational expenses, or a medical certificate and hospital bill estimate for medical expenses.
  • Proof of Relationship: Required if the loan benefits another person, such as a dependent.
Credits: Pag-IBIG / Facebook

Choose Your Application Method

Pag-IBIG offers two convenient ways to apply for HELPS:

  • Online: Use the Virtual Pag-IBIG to submit your application and upload all required documents.
  • Over-the-Counter: You can also apply in person by visiting any Pag-IBIG branch with your application form and necessary documents.

Loan Application Processing

Once your application is submitted, the Fund will evaluate it based on your eligibility and Total Accumulated Value (TAV). The assessment will determine the loan amount you are entitled to receive.

Loan Approval and Fund Disbursement

If your application is approved, Pag-IBIG will notify you about the loan approval and subsequently release the funds directly to the accredited institution (educational or healthcare provider) that you have specified.

Additional Notes

  • Loan Usage: You can utilize the loan for educational expenses, medical expenses, or healthcare plans from accredited HMOs.
  • Loan Limit: The maximum amount you can borrow will depend on your TAV.
  • Existing Loans: Members with an existing Multi-Purpose Loan (MPL) or Calamity Loan are still eligible to apply for HELPS and vice versa.

How Much Can You Borrow?

The loan amount a member can borrow is based on the lowest of either the desired loan amount, the loan entitlement capped at 80% of the member’s Total Accumulated Value (TAV), or an amount that won’t reduce their net take-home pay below the minimum required by law. This consideration ensures that loans are sustainable for members without compromising their financial stability.

Loan Terms and Payments

Members can choose to repay the loan over 6, 12, 24, or 36 months, with optional grace periods for longer terms. Repayments are typically made through salary deductions, though over-the-counter payments are possible for self-employed members or OFWs.

Default and Penalties

Failure to make three consecutive monthly amortizations or monthly savings contributions will place a borrower in default, prompting the outstanding loan obligation to become due immediately. Penalties are applied for late payments, emphasizing the importance of timely repayments.

Renewal and Offsetting Conditions

Members can renew their HELPs loans after making a significant portion of their payments. Additionally, in cases of severe personal or family health crises, or other extreme circumstances, members can request to offset their outstanding HELPs balance against their TAV, providing some financial relief during difficult times.

Recent Updates

Pag-IBIG HELPs: Your Solution for Insufficient Medical Bill Payments

Pag-IBIG HELPs offers a solution for individuals who are facing insufficient funds to pay for their medical bills. It features the opportunity to enjoy discounts on medical bills by applying for a loan through Pag-IBIG HELPs.

Pag-IBIG HELPs Steps Up to Cover Tuition Fees for Parents this Semester, Offering Exclusive Discounts on Loan Applications

In a groundbreaking move, Pag-IBIG has just launched a significant campaign to assist parents in paying for their child’s tuition fees. With the opportunity to apply for a loan through Pag-IBIG HELPs, parents can now enjoy unparalleled discounts on tuition fees, ensuring a brighter future for their children. Don’t miss out on this incredible opportunity – act fast and secure your child’s education today!

Pag-IBIG Fund Unveils Fast Approval for Educational Loans, Easing Financial Burdens for Students and Families

The Pag-IBIG Fund has made a major announcement, offering a fast approval process for educational loans. Now, students and their families can breathe a sigh of relief as they access much-needed funds to cover tuition fees and other school-related expenses. Don’t miss out on this incredible opportunity – apply for an educational loan through Pag-IBIG Fund today!


Video: PAG-IBIG cash loan ready to assist with school-related fees | ANC

The PAG-IBIG Fund has recently introduced its new cash loan, the ‘PAG-IBIG multi-purpose loan’, aimed at providing financial assistance to its members for school-related fees. This aims to alleviate the burden of education expenses and ensure that members have access to the necessary funds for their educational needs. With this loan, PAG-IBIG Fund members can now pursue their educational goals with greater ease and convenience.



The amended HELPs guidelines offer a lifeline to Pag-IBIG members, enabling them to manage health and education costs effectively. By maintaining the eligibility criteria and ensuring that loans are manageable within members’ financial situations, the Fund continues to support its members in more than just housing needs.

For Fund members, understanding these changes is important to maximizing the benefits available under HELPs. Members are encouraged to contact the agency directly or visit their website for more detailed information and to apply for assistance under these amended guidelines

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