{"id":22796,"date":"2020-08-03T07:20:28","date_gmt":"2020-08-03T07:20:28","guid":{"rendered":"https:\/\/forms24.co.za\/data\/?page_id=43"},"modified":"2020-08-03T07:20:28","modified_gmt":"2020-08-03T07:20:28","slug":"how-much-is-sss-contribution-per-month","status":"publish","type":"page","link":"https:\/\/uni1.co.za\/articles\/how-much-is-sss-contribution-per-month\/","title":{"rendered":"How much is SSS contribution per month?"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">How to compute your monthly SSS contribution.<\/h3>\n\n\n<div class=\"advads-atf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-1686688047\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads atf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"8381596201\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><p>The amount that members remit to the SSS depends on two factors:<\/p>\n\n\n<ol class=\"wp-block-list\"><li><strong>Membership type&nbsp;<\/strong>\u2013 Employed,&nbsp;<em>kasambahay<\/em>, self-employed, voluntary, non-working spouse, and OFW members have different contribution amounts. Contributions of employees,<em>&nbsp;kasambahays<\/em>, and certain OFWs are deducted from their monthly salary and remitted to the SSS (along with the employer\u2019s share of contribution) by their respective employers. Others have to pay their entire contribution.<\/li><li><strong>Monthly salary credit (MSC)<\/strong>&nbsp;\u2013 The Social Security Law defines the MSC as&nbsp;<em>\u201cthe compensation base for contributions and benefits<\/em>\u201c<a href=\"https:\/\/filipiknow.net\/sss-contribution\/#easy-footnote-bottom-1-20278\"><sup>1<\/sup><\/a>. The SSS uses the MSC to compute the required contribution for members based on their monthly income.<strong>&nbsp;The higher your monthly earnings, the higher your MSC is. The higher your MSC, the higher your contribution becomes.<\/strong>&nbsp;On the SSS contribution table, you\u2019ll find the MSC that corresponds to your income range.<\/li><\/ol>\n\n\n<h2 class=\"wp-block-heading\">The new SSS Contribution Schedule.<\/h2>\n\n\n<p>Before you begin computing your contribution, understand first the key changes to the SSS Contribution Schedule following the Social Security Act of 2018 implementation.<\/p>\n\n\n<p><strong>Starting in April 2019, the contribution rate has increased from 11% to 12% of the MSC and will continue to rise by 1% every other year until it reaches 15% by 2026.<\/strong><\/p>\n\n\n<p>The new law has also increased the maximum MSC from Php 16,000 to Php 20,000.<\/p>\n\n\n<p>What do these changes mean? Obviously, you\u2019re paying a higher monthly contribution now. But this will also increase your SSS benefits since they\u2019re computed based on a higher MSC.<\/p>\n\n\n<p>Ultimately, the SSS contribution hike will extend the SSS fund life, which raises your chance of receiving retirement benefits in the future.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Table 1: SSS Contributions of Employed, Self-Employed, Voluntary Member, and Non-Working Spouse.<\/h3>\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/filipiknow.net\/wp-content\/uploads\/2019\/05\/sss-contribution-table-1.jpg\" alt=\"sss contribution table 1\" class=\"wp-image-20282\" \/><\/figure>\n\n\n<p><em>(Note: The SSS contribution table above and the succeeding ones can be used only from April 2019 to the end of 2020, as the contribution rate will increase again in 2026 onwards.)<\/em><\/p>\n\n\n<h4 class=\"wp-block-heading\">a. How much should employees and employers contribute?<\/h4>\n\n\n<p><strong>Of the 12% contribution rate, the employee pays 4% through monthly salary deductions, while the employer shoulders the remaining 8%.<\/strong><\/p>\n\n\n<p>Additionally, employers pay the monthly contribution for the&nbsp;Employees\u2019 Compensation (EC) Program, which is Php 10 per employee earning below Php 14,750 or Php 30 per employee earning Php 14,750 and above).<\/p>\n\n\n<p>Employers are required to remit all those contributions to the SSS on time.<\/p>\n\n\n<p>For employers and employees, here\u2019s how to determine the monthly contribution using the SSS contribution table:<\/p>\n\n\n<p>1. On the leftmost column (\u201cRange of Compensation\u201d), find the salary bracket where the current monthly income falls and its corresponding MSC on the Monthly Salary Credit column. For example, employees earning Php 19,750 and above have an MSC of Php 20,000.<\/p>\n\n\n<p>2a.&nbsp;<strong>If you\u2019re an employer:<\/strong>&nbsp;Find your share of contribution for a particular employee on the ER column corresponding to the employee\u2019s MSC. Per employee with an MSC of Php 20,000, you must pay Php 1,600 for the SSS contribution plus Php 30 for the EC contribution. The total amount to pay out of the pocket is Php 1,630.<\/p>\n\n\n<p>2b.&nbsp;<strong>If you\u2019re an employee:<\/strong>&nbsp;Find your monthly deduction for SSS contribution on the EE column corresponding to your MSC. If your MSC is Php 20,000, your employer should deduct Php 800 from your monthly salary.<\/p>\n\n\n<p>3. To know the total monthly contribution, look for the amount on the rightmost column under \u201cTotal Contribution.\u201d For an employee with an MSC of Php 20,000, the total monthly contribution is Php 2,430 (Php 800 employee\u2019s share + Php 1,600 employer\u2019s share + Php 30 EC contribution). This is the amount the employer must remit to the SSS, which is posted on the employee\u2019s\u00a0SSS account\u00a0after payment.<\/p>\n\n\n<p>Another way to compute the monthly contribution is to use this formula:&nbsp;<strong>MSC x Contribution Rate<\/strong>.<\/p>\n\n\n<p>Again, let\u2019s use the maximum MSC of Php 20,000 as an example.<\/p>\n\n\n<p>Employee\u2019s share: Php 20,000 x 0.04&nbsp;<em>(4% contribution rate)<\/em>&nbsp;= Php 800<\/p>\n\n\n<p>Employer\u2019s share: Php 20,000 x 0.08&nbsp;<em>(8% contribution rate)&nbsp;<\/em>= Php 1,600 (plus Php 30 for the EC contribution)<\/p>\n\n\n<p><strong>Total contribution:&nbsp;<\/strong>Php 800 + Php 1,600 + Php 30 = Php 2,430<\/p>\n\n\n<h4 class=\"wp-block-heading\">b. How much should self-employed members contribute?<\/h4>\n\n\n<p>If you\u2019re currently registered as self-employed, the monthly earnings you declared on your Form E-1 or the latest Form E-4 will be the basis for your MSC and monthly contribution.<\/p>\n\n\n<p>Using the SSS contribution table (Table 1) above, here are the steps to figure out how much your monthly contribution is.<\/p>\n\n\n<p>1. On the leftmost column (\u201cRange of Compensation\u201d), find the range where your declared monthly income falls.<\/p>\n\n\n<p>2. Under \u201cSelf-Employed, Voluntary Member, and Non-Working Spouse,\u201d find your corresponding MSC on the \u201cMonthly Salary Credit\u201d column. For example, if your declared income is in the range of Php 19,750 and above, your MSC is Php 20,000.<\/p>\n\n\n<p>3. Next to your MSC, find your contribution amount on the \u201cSS Contribution\u201d column. With an MSC of Php 20,000, your monthly contribution is Php 2,400.<\/p>\n\n\n<p>Or use this formula:<\/p>\n\n\n<p><strong>MSC x Contribution Rate = Monthly Contribution Amount<\/strong><\/p>\n\n\n<p>Let\u2019s say your MSC is Php 20,000 and the contribution rate is 12% (for 2019 to 2020), here\u2019s how to compute your contribution as a self-employed member:<\/p>\n\n\n<p>Php 20,000 x 0.12 =&nbsp;<strong>Php 2,400<\/strong><\/p>\n\n\n<h4 class=\"wp-block-heading\">c. How much should voluntary members contribute?<\/h4>\n\n\n<p>It\u2019s tricky to determine the SSS contribution of voluntary members because their income is not fixed.<\/p>\n\n\n<p>As such, the SSS only requires people who are paying their first contribution as a voluntary member to choose any MSC from the contribution table, regardless of their last posted MSC (as a former employed\/self-employed\/OFW member).<\/p>\n\n\n<p><strong>Your choice of MSC as a voluntary paying member depends on how much you receive on a certain month. Practically speaking, you can pay only what you can afford per month.<\/strong><\/p>\n\n\n<p>Here\u2019s how to determine your monthly contribution as a voluntary member using the contribution table:<\/p>\n\n\n<p>1. Under \u201cSelf-Employed, Voluntary Member, and Non-Working Spouse,\u201d select your preferred MSC on the \u201cMonthly Salary Credit\u201d column.<\/p>\n\n\n<p>2. Take note of the amount next to your chosen MSC (on the \u201cSS Contribution\u201d column). For example, if you choose Php 5,000 as your MSC, your monthly contribution is Php 600.<\/p>\n\n\n<h4 class=\"wp-block-heading\">d. How much should a non-working spouse contribute?<\/h4>\n\n\n<p><strong>A non-working spouse\u2019s monthly contribution is based on 50% of his\/her working spouse\u2019s MSC.<\/strong><\/p>\n\n\n<p>Use Table 1 above to find out your monthly contribution as a non-working spouse. Here\u2019s how:<\/p>\n\n\n<p>1. Determine your spouse\u2019s MSC. On the leftmost column (\u201cRange of Compensation\u201d), find your spouse\u2019s salary bracket. For example, if your husband\u2019s income is in the range of Php 19,750 and above, his MSC is Php 20,000.<\/p>\n\n\n<p>2. Divide your spouse\u2019s MSC by half. If your husband\u2019s MSC is Php 20,000, half of it is Php 10,000.<\/p>\n\n\n<p>3. Under \u201cSelf-Employed, Voluntary Member, and Non-Working Spouse,\u201d find your spouse\u2019s 50% MSC on the \u201cMonthly Salary Credit\u201d column.<\/p>\n\n\n<p>4. Take note of the amount next to your spouse\u2019s 50% MSC (on the \u201cSS Contribution\u201d column). If 50% of your spouse\u2019s MSC is Php 10,000, your monthly contribution is Php 1,200.<\/p>\n\n\n<p>If 50% of your spouse\u2019s MSC doesn\u2019t correspond to any MSC in the SSS contribution table, base your contribution on the next higher MSC.<\/p>\n\n\n<p>For example, if your spouse earns Php 3,500 per month, 50% of his\/her MSC (Php 3,500) is Php 1,750 (which is below the minimum MSC of Php 2,000). The next higher MSC is Php 2,000. Therefore, your monthly contribution is Php 240.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Table 2: OFW Members.<\/h3>\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/filipiknow.net\/wp-content\/uploads\/2019\/05\/sss-contribution-table-2.jpg\" alt=\"sss contribution table 2\" class=\"wp-image-20286\" \/><\/figure>\n\n\n<h4 class=\"wp-block-heading\">a. How much should OFWs contribute?<\/h4>\n\n\n<p>The following OFWs share SSS contribution with their employers:<\/p>\n\n\n<ul class=\"wp-block-list\"><li>Sea-based OFWs<\/li><li>Land-based OFWs in countries where the Philippines has bilateral labor agreements:<ul><li>Austria<\/li><li>Belgium<\/li><li>Canada<\/li><li>Denmark<\/li><li>France<\/li><li>Germany<\/li><li>Japan<\/li><li>Netherlands<\/li><li>Portugal<\/li><li>Spain<\/li><li>Switzerland<\/li><li>The U.K. and Northern Ireland<\/li><\/ul><\/li><\/ul>\n\n\n<p><strong>These OFWs pay 4% of their MSC, while employers contribute 8% of their worker\u2019s MSC plus the monthly EC contribution of Php 10 per OFW earning below Php 14,750 or Php 30 per OFW earning Php 14,750 and above.<\/strong><\/p>\n\n\n<p>Under the Social Security Act of 2018, manning agencies are considered employers of sea-based OFWs. Thus, manning agencies should collect and remit sea-based OFWs\u2019 contributions to the SSS.<\/p>\n\n\n<p>On the other hand, land-based OFWs in countries without bilateral labor agreements should pay the full contribution on their own.<\/p>\n\n\n<p>Here are the steps to compute OFW monthly contribution using the SSS contribution table:<\/p>\n\n\n<h5 class=\"wp-block-heading\">i. For sea-based OFWs and land-based OFWs with a bilateral labor agreement.<\/h5>\n\n\n<p>1. On the leftmost column (\u201cRange of Compensation\u201d), find your salary bracket and its corresponding MSC on the Monthly Salary Credit column. For example, if you\u2019re earning Php 19,750 or higher, your MSC is Php 20,000.<\/p>\n\n\n<p>2. Find your employer\u2019s share of contribution in the ER column corresponding to your MSC. If your MSC is Php 20,000, your employer\u2019s share is Php 1,600 plus the Php 30 EC contribution for a total of Php 1,630.<\/p>\n\n\n<p>3. Find your share of contribution in the EE column corresponding to your MSC. Taking the example above (MSC of Php 20,000), your employee\u2019s share is Php 800.<\/p>\n\n\n<p>4. Under \u201cTotal Contribution,\u201d find your total monthly contribution on the rightmost column. If your MSC is Php 20,000, your total monthly contribution is Php 2,430 (Php 800 employee\u2019s share + Php 1,600 employer\u2019s share + Php 30 EC contribution). This is the total amount your employer must remit to the SSS, which is posted on your\u00a0SSS account\u00a0after payment.<\/p>\n\n\n<p>Another way to compute the monthly contribution is to use this formula:&nbsp;<strong>MSC x Contribution Rate<\/strong>.<\/p>\n\n\n<p>Again, let\u2019s use the maximum MSC of Php 20,000 as an example.<\/p>\n\n\n<p>Employee\u2019s share: Php 20,000 x 0.04&nbsp;<em>(4% contribution rate)<\/em>&nbsp;= Php 800<\/p>\n\n\n<p>Employer\u2019s share: Php 20,000 x 0.08&nbsp;<em>(8% contribution rate)&nbsp;<\/em>= Php 1,600 (plus Php 30 for the EC contribution)<\/p>\n\n\n<p><strong>Total contribution:&nbsp;<\/strong>Php 800 + Php 1,600 + Php 30 = Php 2,430<\/p>\n\n\n<h5 class=\"wp-block-heading\">ii. For land-based OFWs without a bilateral labor agreement.<\/h5>\n\n\n<p>1. On the leftmost column (\u201cRange of Compensation\u201d), find your salary bracket.<\/p>\n\n\n<p>2. Under \u201cLand-Based OFWs Without Bilateral Labor Agreement,\u201d find your corresponding MSC on the \u201cMonthly Salary Credit\u201d column. For example, if your income is in the range of Php 19,750 and above, your MSC is Php 20,000.<\/p>\n\n\n<p>3. Next to your MSC, find your contribution amount on the \u201cSS Contribution\u201d column. With an MSC of Php 20,000, your monthly contribution is Php 2,400.<\/p>\n\n\n<p>Or use this formula:<\/p>\n\n\n<p><strong>MSC x Contribution Rate = Monthly Contribution Amount<\/strong><\/p>\n\n\n<p>Let\u2019s say your MSC is Php 20,000 and the contribution rate is 12% (for 2019 to 2020). Here\u2019s how to compute your full contribution:<\/p>\n\n\n<p>Php 20,000 x 0.12 =&nbsp;<strong>Php 2,400<\/strong><\/p>\n\n\n<h3 class=\"wp-block-heading\">Table 3: Household Employers and&nbsp;<em>Kasambahay<\/em>.<\/h3>\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/filipiknow.net\/wp-content\/uploads\/2019\/05\/sss-contribution-table-3.jpg\" alt=\"sss contribution table 3\" class=\"wp-image-20288\" \/><\/figure>\n\n\n<h4 class=\"wp-block-heading\">a. How much should household employers and&nbsp;<em>kasambahays<\/em>&nbsp;contribute?<\/h4>\n\n\n<p>For house helpers with a monthly salary below Php 5,000, the Kasambahay Law requires household employers to pay the full monthly contribution.<\/p>\n\n\n<p>However,<strong>&nbsp;<em>kasambahays<\/em>&nbsp;who receive Php 5,000 or higher have to share in their contribution payment (4% of their MSC), while their employer pays 8% of the MSC plus the EC contribution of Php 10 per worker earning below Php 14,750 or Php 30 per worker earning Php 14,750 and above.<\/strong><\/p>\n\n\n<p>Using the SSS contribution table for household employers and&nbsp;<em>kasambahay<\/em>, here\u2019s how to compute your monthly contribution:<\/p>\n\n\n<p>1. On the leftmost column (\u201cRange of Compensation\u201d), find the range where the current monthly income falls and its corresponding MSC on the Monthly Salary Credit column. For example, if the<em>&nbsp;kasambahay<\/em>\u2018s monthly salary is Php 3,500 (the current minimum wage in Metro Manila), his\/her MSC is Php 3,500.<\/p>\n\n\n<p>2a.&nbsp;<strong>If you\u2019re a household employer:<\/strong>&nbsp;Find your share of contribution on the ER column corresponding to your&nbsp;<em>kasambahay<\/em>\u2018s MSC. Using the example above (MSC of Php 3,500), you must pay Php 420 for the SSS contribution plus Php 10 EC contribution for a total of Php 430.<\/p>\n\n\n<p>2b.&nbsp;<strong>If you\u2019re a&nbsp;<em>kasambahay<\/em>:<\/strong>&nbsp;Find your monthly deduction for SSS contribution on the EE column corresponding to your MSC. Taking the example above (MSC of Php 3,500), there should be no salary deduction for SSS contribution since your employer shoulders your entire contribution. But if you\u2019re earning Php 5,000 monthly, for example, your employer should deduct Php 200 from your salary and remit it to the SSS along with your employer\u2019s share.<\/p>\n\n\n<p>3. To know the total monthly contribution, look for the amount on the rightmost column under \u201cTotal Contribution.\u201d For example, if a&nbsp;<em>kasambahay<\/em>&nbsp;has an MSC of Php 5,000, the total monthly contribution is Php 610 (Php 200 employee\u2019s share + Php 400 employer\u2019s share + Php 10 EC contribution). This is the amount the employer must remit to the SSS, which is posted on the&nbsp;<em>kasambahay<\/em>\u2018s&nbsp;<a href=\"https:\/\/filipiknow.net\/sss-online-registration\/\" target=\"_blank\" rel=\"noreferrer noopener\">SSS account<\/a>&nbsp;after payment.<\/p>\n\n\n<p>Another way to compute the monthly contribution is to use this formula:&nbsp;<strong>MSC x Contribution Rate<\/strong>.<\/p>\n\n\n<p>Again, let\u2019s use the maximum MSC of Php 5,000 as an example.<\/p>\n\n\n<p>Employee\u2019s share: Php 5,000 x 0.04&nbsp;<em>(4% contribution rate)<\/em>&nbsp;= Php 200<\/p>\n\n\n<p>Employer\u2019s share: Php 5,000 x 0.08&nbsp;<em>(8% contribution rate)&nbsp;<\/em>= Php 400 (plus Php 10 for the EC contribution)<\/p>\n\n\n<p><strong>Total contribution:&nbsp;<\/strong>Php 200 + Php 400 + Php 10 = Php 610<\/p><div class=\"advads-content\" id=\"advads-930900213\"><div style=\"width: 300px; padding: 20px; margin: 0 auto; border: 1px solid #ddd; border-radius: 8px; background-color: #f9f9f9; text-align: center; font-family: Arial, sans-serif;\">\r\n    <p style=\"font-size: 16px; margin: 0 0 10px;\">Need Information or Confused about Something ? <\/p>\r\n    <a href=\"https:\/\/onlineapplications.co.za\/ask\/\" style=\"display: inline-block; padding: 10px 20px; background-color: #007BFF; color: #fff; text-decoration: none; border-radius: 4px; transition: background-color 0.3s;\">Ask a Question<\/a>\r\n<\/div>\r\n<\/div><div class=\"advads-btf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-4288244350\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads btf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"5513273173\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n<div class=\"advads-cpc\" id=\"advads-915017825\"><p>&nbsp;<\/p>\n<hr \/>\n<p>Sponsored Guide<\/p>\n<hr \/>\n<p><strong>Complete Guide to NSFAS Online Loan Application for South African Students (2025)<\/strong><\/p>\n<p>If you are a South African student looking to pursue higher education but are facing financial difficulties, the <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is one of the most accessible funding options available. NSFAS provides financial aid in the form of <strong>bursaries and loans<\/strong> to qualifying students at public universities and TVET colleges in South Africa.<\/p>\n<p>This guide will walk you through <strong>everything you need to know about the NSFAS loan application process<\/strong>, from eligibility requirements to application steps and frequently asked questions.<\/p>\n<hr \/>\n<h2>\ud83d\udccc What is NSFAS?<\/h2>\n<p>The <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.<\/p>\n<p>NSFAS <strong>offers both bursaries and income-contingent loans<\/strong>:<\/p>\n<ul>\n<li><strong>Bursaries<\/strong>: For eligible students who meet academic and household income criteria (especially for TVET and university students).<\/li>\n<li><strong>Loans<\/strong>: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.<\/li>\n<\/ul>\n<hr \/>\n<h2>\u2705 Who Qualifies for an NSFAS Loan?<\/h2>\n<p>To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:<\/p>\n<ul>\n<li>Be a <strong>South African citizen<\/strong>.<\/li>\n<li>Be <strong>financially needy<\/strong>, with a household income of <strong>less than R350,000 per year<\/strong>.<\/li>\n<li>Have a <strong>valid South African ID<\/strong>.<\/li>\n<li>Be <strong>enrolled or accepted<\/strong> to study at a <strong>public university or TVET college<\/strong>.<\/li>\n<li>Not be funded through another bursary program that covers all expenses.<\/li>\n<li>Maintain satisfactory <strong>academic progress<\/strong> (returning students).<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcda Courses Funded by NSFAS<\/h2>\n<p>NSFAS primarily funds <strong>undergraduate qualifications<\/strong>, but certain <strong>postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB)<\/strong> may be considered under the <strong>NSFAS loan scheme<\/strong>, not bursaries.<\/p>\n<p>If you\u2019re studying:<\/p>\n<ul>\n<li><strong>Undergraduate degree or diploma<\/strong>: You are likely eligible for a full NSFAS bursary.<\/li>\n<li><strong>Postgraduate study<\/strong>: You may qualify for a loan, depending on the course and funding availability.<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcc4 Required Documents for NSFAS Application<\/h2>\n<p>When applying, make sure you have the following documents scanned and ready:<\/p>\n<ol>\n<li><strong>Certified copy of your South African ID or Smart Card<\/strong>.<\/li>\n<li><strong>Parent(s) or guardian(s) ID documents<\/strong>.<\/li>\n<li><strong>Proof of income<\/strong> (latest payslips, UIF, or affidavit if unemployed).<\/li>\n<li><strong>Consent Form<\/strong> signed by your parent(s)\/guardian(s) to allow NSFAS to verify income.<\/li>\n<li><strong>Proof of registration or acceptance at a public institution<\/strong>.<\/li>\n<li><strong>Academic transcripts<\/strong> (for continuing or postgraduate students).<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udda5\ufe0f How to Apply for an NSFAS Loan Online<\/h2>\n<h3>Step-by-Step NSFAS Online Application Process (2025)<\/h3>\n<ol>\n<li>\n<h3><strong>Visit the NSFAS Website<\/strong><\/h3>\n<p>Go to: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li>\n<h3><strong>Create an Account<\/strong><\/h3>\n<ul>\n<li>Click on <strong>\u201cMyNSFAS\u201d<\/strong> and register your profile.<\/li>\n<li>You\u2019ll need a <strong>valid email address<\/strong> and <strong>South African cellphone number<\/strong>.<\/li>\n<li>Choose a strong password and verify your account via email or SMS.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Login and Start the Application<\/strong><\/h3>\n<ul>\n<li>After registration, log in to your <strong>MyNSFAS<\/strong> account.<\/li>\n<li>Click on <strong>\u201cApply\u201d<\/strong> to begin a new application.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Fill in Your Personal Details<\/strong><\/h3>\n<ul>\n<li>Input your <strong>ID number<\/strong>, name, surname, and other details exactly as they appear on your ID.<\/li>\n<li>Provide <strong>household income information<\/strong> and living arrangements.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Upload Required Documents<\/strong><\/h3>\n<ul>\n<li>Upload all supporting documents in <strong>PDF or JPEG format<\/strong>.<\/li>\n<li>Each document must be clear and under the size limit specified.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Submit Your Application<\/strong><\/h3>\n<ul>\n<li>Review your application for accuracy.<\/li>\n<li>Click <strong>\u201cSubmit\u201d<\/strong> and wait for a confirmation message.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Track Your Application<\/strong><\/h3>\n<ul>\n<li>Log in regularly to check your application status.<\/li>\n<li>You will be notified via SMS and email at each stage of the process.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\uddd3\ufe0f Important NSFAS Dates (2025)<\/h2>\n<ul>\n<li><strong>Application Opening Date<\/strong>: September 1, 2025<\/li>\n<li><strong>Application Deadline<\/strong>: January 31, 2026<\/li>\n<li><strong>Appeals Period<\/strong>: February 2026 (if rejected)<\/li>\n<li><strong>Disbursement<\/strong>: After registration and approval<\/li>\n<\/ul>\n<p><em>Note: Dates are subject to change; always confirm on the official NSFAS website.<\/em><\/p>\n<hr \/>\n<h2>\ud83d\udcb8 What Does the NSFAS Loan Cover?<\/h2>\n<p>NSFAS funding typically includes:<\/p>\n<ul>\n<li><strong>Tuition fees<\/strong><\/li>\n<li><strong>Registration fees<\/strong><\/li>\n<li><strong>Accommodation (if living away from home)<\/strong><\/li>\n<li><strong>Meals and transport<\/strong><\/li>\n<li><strong>Learning materials (e.g., textbooks)<\/strong><\/li>\n<\/ul>\n<p>For <strong>loans<\/strong>, repayment is only required <strong>once you start working and earn above a threshold<\/strong> (around R30,000 annually, but subject to change).<\/p>\n<hr \/>\n<h2>\ud83d\udd04 NSFAS Loan Repayment<\/h2>\n<p>Repayments are:<\/p>\n<ul>\n<li><strong>Income-contingent<\/strong> \u2013 you only repay when you can afford to.<\/li>\n<li>Administered by <strong>DHET (Department of Higher Education and Training)<\/strong>.<\/li>\n<li><strong>Interest-bearing<\/strong>, but interest rates are low and favorable.<\/li>\n<\/ul>\n<p>You can also apply for a <strong>partial loan conversion to a bursary<\/strong> if you perform well academically.<\/p>\n<hr \/>\n<h2>\ud83d\udd01 How to Appeal a Rejected NSFAS Application<\/h2>\n<p>If your application is rejected, you may submit an appeal via your MyNSFAS portal:<\/p>\n<ol>\n<li>Log into your MyNSFAS account.<\/li>\n<li>Click on <strong>\u201cTrack Funding Progress\u201d<\/strong>.<\/li>\n<li>If rejected, click on <strong>\u201cSubmit Appeal\u201d<\/strong>.<\/li>\n<li>Upload any missing or corrected documents.<\/li>\n<li>Provide a clear explanation or motivation.<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udcf1 NSFAS Contact Information<\/h2>\n<ul>\n<li><strong>Website<\/strong>: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li><strong>Email<\/strong>: <a href=\"mailto:info@nsfas.org.za\">info@nsfas.org.za<\/a><\/li>\n<li><strong>Toll-Free Number<\/strong>: 08000 67327 (Monday\u2013Friday, 8 AM\u20135 PM)<\/li>\n<li><strong>Twitter<\/strong>: <a href=\"https:\/\/twitter.com\/myNSFAS\">@myNSFAS<\/a><\/li>\n<li><strong>Facebook<\/strong>: <a href=\"https:\/\/www.facebook.com\/myNSFAS\">NSFAS<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcdd Final Tips Before Applying<\/h2>\n<ul>\n<li>Apply <strong>early<\/strong> to avoid system overload near the deadline.<\/li>\n<li>Use <strong>your own email and cellphone number<\/strong> (do not use someone else\u2019s).<\/li>\n<li>Double-check that all your documents are <strong>certified and legible<\/strong>.<\/li>\n<li>Keep a <strong>copy of your submission confirmation<\/strong> for reference.<\/li>\n<\/ul>\n<hr \/>\n<p>By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams\u2014without the burden of immediate financial pressure.<\/p>\n<p>&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>How to compute your monthly SSS contribution. The amount that members remit to the SSS depends on two factors: Membership type&nbsp;\u2013 Employed,&nbsp;kasambahay, self-employed, voluntary, non-working spouse, and OFW members have different contribution amounts. Contributions of employees,&nbsp;kasambahays, and certain OFWs are deducted from their monthly salary and remitted to the SSS (along with the employer\u2019s share\u2026 <span class=\"read-more\"><a href=\"https:\/\/uni1.co.za\/articles\/how-much-is-sss-contribution-per-month\/\">Read More &raquo;<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-22796","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/22796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/comments?post=22796"}],"version-history":[{"count":0,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/22796\/revisions"}],"wp:attachment":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/media?parent=22796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}