Many students face difficulties affording college, but there’s good news! The Commission on Higher Education (CHED) offers assistance through the Enhanced Study Now Pay Later Plan (E-SNPLP).

High college costs pose a challenge for students and hinder our country’s progress. However, the CHED Enhanced Study Now Pay Later Plan (E-SNPLP) offers a solution. It enables students to begin college without immediate financial strain, allowing them to focus on their studies.

In this article, you’ll learn about CHED, E-SNLP, what you need to apply, where to apply, and how to apply. Keep reading to find out more.

About CHED Enhanced Study Now Pay Later Plan

CHED, the Commission on Higher Education, is a governmental body in the Philippines responsible for overseeing the country’s higher education system. 

Established under Republic Act No. 7722, also known as the Higher Education Act of 1994, and further amended by Republic Act No. 8545, CHED plays a crucial role in ensuring the quality and accessibility of tertiary education.

The Enhanced Study Now Pay Later Plan (E-SNPLP) is an initiative introduced by CHED to address financial barriers hindering access to higher education. 

E-SNPLP is a loan program available to incoming college students or those who have already earned units in any curriculum year, covering their tuition and miscellaneous fees in CHED-identified public or private higher education institutions per CMO No. 16, Series 2002.

The purpose of the E-SNPLP is to provide deserving students with the opportunity to pursue their academic aspirations without the immediate burden of tuition fees, empowering them to focus on their studies and succeed academically. 

Through the E-SNPLP, CHED aims to promote equity and inclusivity in higher education, fostering a brighter future for Filipino youth and advancing the nation’s development.

In accordance with relevant provisions of Republic Acts No. 7722 and No. 8545, a Memorandum Order is issued to ensure the viability, productivity, and sustainability of the E-SNPLP’s implementation and management.


Interested student applicants or borrowers must meet the following qualifications to apply and avail of the CHED Study Now Pay Later Plan (SNPLP) program:

Qualifications of Applicant:

  1. Must be a Filipino citizen.
  2. Must not exceed the age limit of 30 years old.
  3. Must be enrolled in any curricular year level in any of CHED-recognized degrees/programs.
  4. No income limit, but priority is given to students whose parents have a combined annual gross income of Php 300,000 or less.
  5. Must be of good moral character.
  6. Must not be a beneficiary or recipient of any financial assistance programs of the government.

Qualifications of Co-Borrower:

  1. Must not be more than 50 years old.
  2. Must be a bonafide member of GSIS or SSS and in good standing, as evidenced by a Certificate of Employment and Compensation from his/her employer.

Please note that a co-borrower or a member of GSIS or SSS who acted as the co-debtor of the student applicant or borrower must meet the following qualifications:

  1. Must not be more than 50 years old.
  2. Must be a bonafide member of GSIS or SSS and in good standing, as evidenced by a Certificate of Employment and Compensation from his/her employer.

Understanding the eligibility criteria is essential before applying for the E-SNLP. These requirements form the basis for identifying individuals who can take advantage of this valuable educational opportunity.

CHED Priority Courses:

Below are the CHED Priority Courses categorized into different fields:

Engineering and Technology

  • Agricultural and Biosystems Engineering
  • Ceramic Engineering
  • Chemical Engineering
  • Civil Engineering
  • Computer Engineering
  • Electrical Engineering
  • Electronics Engineering / Electronics and Communications Engineering
  • Food Engineering
  • Geodetic Engineering
  • Industrial Engineering
  • Manufacturing / Production Engineering
  • Materials Engineering
  • Mechanical Engineering
  • Mechatronics Engineering
  • Metallurgical Engineering
  • Mining Engineering
  • Petroleum Engineering
  • Robotics Engineering
  • Sanitary Engineering
  • Structural Engineering
  • Aircraft Maintenance Technology
  • Aviation Related Programs
  • Engineering Technology
  • Industrial Technology
  • Mechatronics Engineering Technology

Information Technology Education

  • Computer Science
  • Cyber Security
  • Entertainment and Multimedia Computing / Game Development and Animation
  • Information System
  • Information Technology
  • Library and Information Science

Science and Mathematics

  • Applied Physics / Physics
  • Applied Mathematics / Mathematics
  • Applied Statistics/ Statistics
  • Biochemistry
  • Biology
  • Botany
  • Chemistry
  • Environmental Science
  • Geology
  • Human Biology
  • Marine Biology
  • Marine Science
  • Meteorology
  • Molecular Biology and Biotechnology

Architecture and Related Programs

  • Architecture
  • Fine Arts
  • Interior Design
  • Landscape Architecture
  • Environmental Planning

Business and Management

  • Accountancy
  • Business Analytics (straight major)
  • Hospitality Management/ Hotel and Restaurant Management
  • Tourism Management/ Tourism

Maritime Education

  • Maritime Engineering Marine Transportation

Teacher Education

  • Secondary Education major in Science and Mathematics
  • Culture and Arts
  • Early Childhood Education
  • Special Needs Education
  • Sports and Exercise Science

Health Profession Education

  • Doctor of Dental Medicine
  • Doctor Of Optometry
  • Medical Technology / Medical Laboratory Science
  • Midwifery
  • Nursing
  • Nutrition and Dietetics
  • Occupational Therapy
  • Pharmacy
  • Physical Therapy
  • Radiologic Technology
  • Respiratory Therapy
  • Speech Language Pathology

Social Sciences

  • Community Development
  • Human Services (Guidance and Counselling)
  • Indigenous Peoples Studies/ Education
  • Peace Studies/ Education
  • Psychology
  • Social Work

Multi and Interdisciplinary Cluster

  • Agribusiness
  • Agro-forestry
  • Data Science and Analytics
  • Disaster Risk Management/ Climate Change
  • Renewable / Sustainable Energy

Application Process:

Knowing how to apply is essential for students interested in the Enhanced Study Now Pay Later Plan (E-SNLP). Let’s go through the steps together to help you secure your educational assistance.

Requirements for the CHED Enhanced Study Now Pay Later Plan (E-SNPLP):

Before applying for the E-SNLP program, it’s essential to understand the necessary documents and qualifications. 

Here are the requirements you need to meet to apply and avail of the CHED Study Now Pay Later Plan (SNPLP) program:

Requirements for E-SNLP Application:

1. Duly accomplished application form.

2. Birth Certificate.

3. Admission slip/enrollment registration form from the school.

4. National Career Assessment Examination (NCAE) Certificate for entering freshmen.

5. Form 138 for incoming college students or Certified True Copy of Grades during the previous semester attended for those with earned/other curriculum year level.

6. Certificate of good moral character from the high school principal/guidance counselor.

7. Latest BIR Income Tax Returns (ITR) or Certificate of Exemption from filing ITR of parents.

8. Certificate of employment of Co-Borrower.

9. Latest BIR Form 2316 (Withholding Tax Certificate) or ITR of Co-Borrower.

10. Photocopy of GSIS or SSS Identification Card of Co-Borrower.

11. TIN, SSS, or GSIS Number of applicant student for the purpose of future tracking of the student borrower.

Requirements for Payment of Educational Loan/Financial Assistance:

Payment of CHEDRO to Student-borrower:

For Initial Payment:

  1. Notice of Award (NOA) and Acceptance.
  2. Notarized Contract between CHED and student-borrower.
  3. Enrollment Registration form and proof of payment.
  4. For succeeding payment:
  5. Enrollment Registration form or proof of payment.
  6. Proof of Rating/Grades of preceding semester.
  7. Updated information on the Co-borrower.

Fund Transfer from CHED Central Office to CHEDRO:

  1. Certified correct master list from CHEDRO for the first release of fund transfer.
  2. Updated certified correct master list for the succeeding releases of fund transfers.

Ensure that you have all the necessary documents ready before proceeding with your E-SNLP application. Keeping these requirements in mind will help streamline the process and increase your chances of successful enrollment in the program.

Application Deadlines:

The Study Now Pay Later Plan (SNLP) offers valuable educational opportunities. Stay tuned for updates regarding the application deadline and submission for the academic year 2024-2025.

Bookmark this article if you’re looking to apply so you can revisit it for updates. Opportunities may arise again soon. Stay informed and ready to seize the chance to apply when it becomes available.

Step by Step Application Process:

Understanding how to apply for educational assistance programs is crucial for students looking to support their academic pursuits. 

This guide outlines the steps for applying to the Study Now Pay Later Plan (SNPLP) provided by the Commission on Higher Education (CHED). 

Let’s break down the process to help you access the financial support you need for your education.

1. Obtain the StuFAPS application form (OSS Form 01) from either the nearest CHED Regional Office (CHEDRO) in your region or CHED’s official website at

2. Fill out the application form accurately and completely.

3. Attach all required documents as mentioned 

4. Submit the completed application form along with the necessary documents to the CHED Regional Office (CHEDRO).

CHED Regional OfficeAddressTelephoneTeleFax
CHEDRO 1Government Center, Sevilla, City of San Fernando, La Union+63(072)242-0238/5017; 700-2569+63(02)242-2750
CHEDRO 2Regional Dev’t Center, Carig, Tuguegarao City, Cagayan+63(078)844-4872; 846-3635+63(078)846-4887
CHEDRO 3Regional Dev’t Center, Maimpis, City of San Fernando, Pampanga+63(045)455-1662; 438-1848 to 47
CHEDRO 4A2nd Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC+63(02)332-4734; 332-3943
CHEDRO 4B2nd Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC+63(02)386-4781
CHEDRO 5CHEDRO Bldg, EMS Barrio South, Brgy2, Legaspi City+63(052)481-5096; 820-4813+63(052)481-5095
CHEDRO 612 Washington St., Jaro, Iloilo+63(033)508-8852+63(033)320-6976; 329-5955
CHEDRO 7National Government Center, Sudion, Lahug, Cebu City+63(032)414-9194 to 95
CHEDRO 8Cor. Real Street and Calanipawan Road, Sagkahan, Tacloban City+63(053)523-7437+63(053)523-4034
CHEDRO 9Polytechnic Compound, Baliwasan Chico, Zamboanga City+63(062)991-7648; 991-8974; 991-7080+63(062/991-7649
CHEDRO 10Archbishop Hayes St., Cagayan de Oro City (Beside Xavier University)+63(08822)71-1231+63(08822)72-4180
CHEDRO 11Loyola St. Obrero, Davao City+63(082)295-3418 local 108
CHEDRO 12Carpenter Hills, Koronadal City+63(083)520-1011
CHED National Capital Region2nd Floor, HEDC Bldg., CP Garcia Ave, Diliman, QC+63(02)468-0213; 441-1224/0453+63(02)441-0879/0985
CHED Cordillera Administrative RegionBSU Compound, La Trinidad, Benguet+63(074)422-2415+63(074)422-2418
CHED ARMM2/F DILG 12 Bldg., ARMM Compound, Cotabato City+63(064)421-9575
CHEDRO CARAGACSU, Ampayon, Butuan City+63(085)342-5253; 815-2429+63(085)815-0831

5. CHEDRO will review and evaluate all applications based on the set criteria.

6. Qualified applicants will receive a Notice of Award (NOA) from CHEDRO.

7. Accepted applicants must confirm their acceptance within thirty (30) days upon receiving the NOA.

8. CHEDRO will prepare and certify the master list for the Study Now Pay Later Plan.

  • Accepts and evaluates the applications, and ranks the qualified applicants.
  1. OSDS (Office of Student Development Services)
  • Validates the rank list and approves the list of qualified beneficiaries, issuing corresponding award numbers.

Now that you have a clear understanding of the application process for the Study Now Pay Later Plan (SNPLP) offered by CHED, you’re ready to take the next steps toward securing financial assistance for your education. 

Be sure to submit your application on time, gather all required documents, and respond promptly to any communications from CHEDRO. 

By following these steps diligently, you’ll be on your way to achieving your academic goals with the support you need.

Read Also: Philippine Scholarships for College Freshmen

Programs and Benefits of CHED Study Now Pay Later Plan:

Students who enroll in the CHED Study Now Pay Later Plan program can enjoy several benefits:

  1. Loanable Amount: Eligible students can receive a loan covering the actual cost of their tuition and other miscellaneous fees, capped at Php 20,000 per semester.
  1. Applicable Interest: 
  • A simple interest rate of four percent (4%) per annum applies, beginning two (2) years after graduation or after the last loan availed.
  • Interest is calculated using the formula: Interest = Principal x 4% x Term of Payment (Diminishing Method).
  1. Mode of Repayment:
  • No interest is charged if the loan is fully paid within the grace period of two years.
  • Payment methods include cash, manager’s check, postal money order (PMO), or deposit through a CHED-LBP account designated for student loan repayment.
  • The amortization period spans five (5) years, excluding the 2-year grace period.
  • The repayment formula is: Repayment = Principal + Accrued Applicable Interest.
  1. Penalties and Surcharges:
  • Payments made beyond the five-year period incur additional penalties:
  •  An additional interest of 2% per annum.
  •  A surcharge of 2% of the total balance.

These benefits ensure that students can access financial assistance for their education with reasonable terms and repayment options.

Loan Program Conditions:

The CHED Study Now Pay Later Plan program comes with specific conditions that student-borrowers must adhere to:

  1. Academic Load: Student-borrowers must carry the full load of academic subjects each semester as required by their program of study.
  1. Enrollment Deferment: Enrollment deferment is permitted for one school year only under meritorious circumstances, such as health issues, security concerns, or force majeure events.
  1. Academic Performance: Student-borrowers are required to maintain satisfactory academic performance in line with the school’s policies and standards. They must also complete the program/course within the prescribed duration.
  1. Overload Approval: Student-borrowers may take an overload of one subject with approval from the authorized school official.
  1. Summer Classes: Enrolling in summer classes is allowed, but the student-borrower must bear the actual tuition and miscellaneous expenses.
  1. NSTP and PE Subjects: Student-borrowers must enroll in and complete NSTP (National Service Training Program) and PE (Physical Education) subjects within the duration of the course.

Adhering to these conditions ensures that student-borrowers make the most of the educational opportunities provided by the CHED Study Now Pay Later Plan program.

Contact Details:

For inquiries or further information, please do not hesitate to contact your respective CHED Regional Office

Final Thoughts:

As we consider the impact of the CHED Enhanced Study Now Pay Later Plan (E-SNPLP), it’s clear that this program offers great help to many Filipino students. 

It breaks down financial barriers, making higher education more accessible. With this plan, students can pursue their dreams without worrying about immediate tuition fees.

The benefits of E-SNPLP are significant. It provides a loan to cover tuition and other fees, with reasonable interest rates and flexible repayment terms. Plus, students are encouraged to maintain good academic performance while using this support.

To all potential applicants, we encourage you to take advantage of this opportunity. Learn about the CHED Enhanced Study Now Pay Later Plan, meet its requirements, and submit your application. Education opens doors, and this program can help you achieve your goals.

Don’t hesitate! apply now, start your educational journey, and let the CHED Enhanced Study Now Pay Later Plan support your success. Your future begins with this step!

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The PhilScholar website does not offer scholarship programs or engage in hiring activities. It serves solely as an informational platform providing details on scholarships and grants available for educational purposes.

While the PhilScholar website does not directly facilitate applications, users can find guides and informational articles related to admissions and scholarship application processes.

However, users are advised to meticulously examine the credibility of the content provided.

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Users are encouraged to verify any details independently before making decisions based on the content provided.

For additional verification or inquiries, references are provided at the end of the content section.


  1. Commission on Higher Education. (2011). CHED Memorandum Order No. 16 series of 2011. Retrieved from [
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3 responses to “CHED Enhanced Study Now Pay Later Plan (E-SNPLP) 2024 | Apply Now!”

  1. Stacie Angel Marie C. Smith Avatar
    Stacie Angel Marie C. Smith

    I am very dedicated to get a scholarship to finish my study

  2. Denmarie Avatar

    I just really want this scholarship because i want to help my parents in terms of financial since we are facing financial difficulties.Therefore i want to help them by hopefully applying this scholarship.

    1. Hello, Denmarie!

      Thank you for sharing your heartfelt reasons for wanting to apply for the CHED Enhanced Study Now Pay Later Plan (E-SNPLP) 2024 scholarship. Your desire to help your parents during these financial difficulties is truly admirable. Pursuing this scholarship could indeed be a significant step towards easing their burden. I encourage you to proceed with your application and wish you the best of luck in achieving your goals.

      Warm regards,

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