Program for Restructuring and Repayment of Debts (PRRD)

Home Ginhawa for All Program for Restructuring and Repayment of Debts (PRRD)

The Program for Restructuring and Repayment of Debts (PRRD) is a one-time condonation and restructuring program for inactive GSIS members with outstanding loans.

GSIS members who are already out of government service and financially incapable to settle their outstanding loan balances in full may apply for PRRD.

What are the loans covered under PRRD?

PRRD covers the following service loans:

  1. Salary Loan
  2. Restructured Salary Loan
  3. Enhanced Salary Loan
  4. Emergency Loan Assistance
  5. Summer One-Month Salary Loan
  6. Member’s Cash Advance / eCard Cash Advance / eCard Plus Cash Advance
  7. Conso-Loan / Enhanced Conso-Loan
  8. Emergency Loan
  9. Home Emergency Loan Program
  10. Study Now, Pay Later at Fly PAL, Pay Later loans and did not avail of the condonation program in 2014
  11. Educational Assistance Loan (EAL) and did not avail of EAL II
  12. Stock Purchase Loan and did not avail of the condonation program in 2013
  13. Policy Loan (Regular and Optional)
  14. GSIS Financial Assistance Loan (GFAL) for DepEd Personnel
What are the loans not covered by PRRD?

The following loans are not covered by PRRD:

  1. Pension Loan
  2. Pension Emergency Loan
  3. Pensioner Restructuring Loan under the Choice of Loan Amortization Schedule for Pensioners (CLASP)
  4. Housing Loan

Requirements for Application

  1. Application Form (click here)
  2. GSIS UMID card or eCard or valid passport or any two valid IDs*

*For list of acceptable valid IDs, click here.

Step by Step Procedure on how to apply

  1. Download the application form here
  2. Prepare the requirements
  3. Submit the application form and other necessary via:

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