DepEd Seeks Dedicated 2027 Budget Line for School Safety

The Department of Education (DepEd) is pushing for a permanent and dedicated line-item allocation for school safety in the Philippines’ Fiscal Year 2027 national budget, as the agency seeks to strengthen security, emergency preparedness, mental health support, and learner protection in public schools.

The proposal comes as the government moves forward with the FY 2027 national spending program. The proposed national budget is set at PHP7.2 trillion, with DepEd receiving the largest allocation among government departments at PHP976 billion.

Education Secretary Sonny Angara said the department is coordinating with lawmakers to establish a separate budget line that would specifically fund school security and learner protection. The goal is to make safety spending more predictable and ensure that schools have resources for measures that directly protect students and personnel.

For families, educators, and communities, the proposed change could be significant because school safety is not limited to security guards or physical barriers. It also involves emergency preparedness, crisis response, mental health services, counseling, anti-bullying programs, and systems that allow schools to identify potential problems before they become serious incidents.

Why DepEd Wants a Dedicated School Safety Budget

DepEd currently relies heavily on existing school operating funds to address many day-to-day needs. However, these funds must cover a wide range of expenses, including utilities, instructional materials, maintenance, and administrative requirements.

This can leave schools with limited flexibility to spend on additional security personnel, surveillance equipment, emergency systems, and other safety measures.

A dedicated line item would separate school safety from ordinary operating expenses. Under the proposed approach, funding could be directed toward specific safety requirements identified through assessments of schools across the country.

Angara has argued that the present reliance on Maintenance and Other Operating Expenses, or MOOE, can result in unequal security capacity because schools receive different amounts depending on their size and other factors.

The department's proposed approach is therefore intended to create a more systematic way of addressing safety needs, particularly in schools where existing resources are insufficient.

What Could Be Funded Under the Proposed Allocation?

The proposed school safety funding could support several types of security infrastructure and personnel.

Among the measures identified by DepEd are additional security guards, closed-circuit television or CCTV systems, school perimeter fencing, walk-through metal detectors, handheld metal detectors, and other security-related equipment.

These measures are designed to strengthen access control and improve schools' ability to monitor and respond to potential threats.

School facilities are also an important part of the government's broader safety strategy. The FY 2026 national budget, for example, already included substantial funding for basic education facilities, including school construction, rehabilitation, repairs, drainage, fences, gates, and other site improvements.

The proposed 2027 funding would build on this broader effort by giving greater emphasis to security and learner protection.

Mental Health Is Becoming a Major Part of School Safety

One of the most important aspects of the proposed plan is the emphasis on mental health and psychosocial support.

DepEd has been moving to expand its school counseling workforce following the implementation of Republic Act No. 12080, or the Basic Education Mental Health and Well-Being Promotion Act.

In July 2026, the Philippine Information Agency reported that the Civil Service Commission had approved the qualification standards for School Counselor Associate positions. This allowed the Department of Budget and Management to proceed with the creation of 10,000 School Counselor Associate I positions for deployment to public schools beginning School Year 2026–2027.

The positions are intended to help expand counseling and psychosocial support in schools, particularly because the country faces a shortage of professional guidance counselors.

More recently, Angara said DepEd ultimately needs a much larger number of counselor associates to reach schools nationwide. Reports in August indicated that the department is seeking additional funding to expand the workforce over the coming years.

This means that school safety is increasingly being viewed as both a physical and psychological concern.

Early Intervention Could Help Prevent Serious Incidents

The proposed School Counselor Associate workforce is expected to play a role in early intervention.

Instead of waiting for a serious incident before responding, school personnel could help identify warning signs involving bullying, behavioral concerns, emotional difficulties, or other issues affecting learners.

This approach could give students more opportunities to seek help from trained adults before problems escalate.

It also recognizes that students may sometimes be more comfortable talking to someone close to their age or someone specifically assigned to provide counseling and support.

Angara has emphasized that prevention and recovery require trusted adults and appropriate support systems inside schools.

DepEd Also Wants LGUs to Help

The department is also encouraging local government units to contribute to school safety through the Special Education Fund, or SEF.

The proposed national line item would therefore not necessarily mean that national government funds would carry the entire burden.

Instead, DepEd is promoting a shared-responsibility model involving national agencies, LGUs, law enforcement agencies, schools, parents, communities, and civil society organizations.

This approach could be especially important for urgent needs that cannot wait for a future national budget cycle.

School Safety Efforts Are Already Expanding

The proposed 2027 budget request comes as DepEd continues to strengthen school safety measures across the country.

Recent DepEd regional and division issuances have included measures focused on school safety monitoring, emergency response drills, school-PNP coordination, and physical security.

DepEd's current safety efforts also include preparedness assessments covering classrooms, electrical systems, roofs, drainage, water and sanitation facilities, perimeter fences, and other areas that could affect the safety and continuity of school operations.

The department's direction suggests that school safety is becoming an increasingly integrated part of basic education planning rather than a separate concern addressed only after an emergency occurs.

What the PHP976 Billion 2027 DepEd Budget Means

The proposed PHP976 billion allocation makes education one of the central priorities of the government's 2027 spending plan.

According to the Philippine News Agency, the proposed DepEd budget represents 13.55 percent of the government's PHP7.2 trillion proposed national spending program. Of the DepEd allocation, PHP973.4 billion is proposed for the Office of the Secretary, while more than PHP2.5 billion would go to attached agencies. The proposal also includes PHP31.74 billion for new school personnel positions and PHP30.55 billion for the Basic Education Facilities Fund.

However, the PHP976 billion figure should not be interpreted as a PHP976-billion school safety budget. It is the department's overall proposed allocation, covering numerous education programs and operating requirements.

The dedicated school safety line item being sought by DepEd would instead be a specific component within the broader budget.

What Happens Next?

The proposed FY 2027 budget will still undergo congressional deliberations before the final General Appropriations Act is enacted.

This means the requested dedicated school safety allocation could still change during the budget process.

For DepEd, however, the objective is clear: school safety should receive predictable funding that allows schools to plan ahead rather than rely primarily on limited operating funds or temporary assistance.

The proposed line item could ultimately help schools invest in security personnel, safety infrastructure, emergency preparedness, counseling services, and other preventive measures.

For parents and students, the broader message is that a safe learning environment requires more than a secure gate. It requires trained personnel, functioning facilities, emergency plans, mental health support, and a system capable of responding quickly when students need help.

As Congress reviews the proposed 2027 national budget, the question will be whether the government can turn these priorities into sustained funding that reaches schools where it is needed most.

Latest update as of August 24, 2026: The FY 2027 National Expenditure Program proposes PHP976 billion for DepEd, while the department is seeking stronger and more dedicated funding for school safety, security personnel, infrastructure, emergency preparedness, and school counseling services. The proposed budget remains subject to congressional deliberation and final approval.

Frequently Asked Questions

Is the PHP976 billion already approved?

No. The PHP976 billion figure is part of the proposed FY 2027 National Expenditure Program. Congress still has to deliberate on the proposed budget before the final appropriations law is enacted.

Is the entire PHP976 billion for school safety?

No. PHP976 billion is the proposed overall DepEd allocation for 2027. School safety would be only one component of the department's overall spending plan.

What safety measures is DepEd seeking to fund?

The proposed measures include security guards, CCTV systems, school fencing, metal detectors, emergency preparedness, crisis response, training, and learner support.

Why are School Counselor Associates important?

School Counselor Associates are intended to expand mental health and psychosocial support in public schools. The initial 10,000 positions are part of the government's implementation of the Basic Education Mental Health and Well-Being Promotion Act.

Will the proposed school safety funding definitely be approved?

Not yet. The proposal remains part of the ongoing FY 2027 budget process and may still be changed during congressional deliberations.

September 2026 Health Awareness Calendar: Important Dates and Observances

September is more than the month when the seasons begin to change and families start preparing for the final stretch of the year. It is also a month filled with important health awareness campaigns that encourage individuals, families, schools, and communities to pay closer attention to physical health, mental well-being, nutrition, environmental conditions, and disease prevention.

For 2026, several important health observances are scheduled throughout September. These include Childhood Cancer Awareness Month, Obesity Prevention Awareness Week, World Suicide Prevention Day, World Environmental Health Day, World Rabies Day, and Kainang Pamilya Mahalaga Day.

These observances provide useful opportunities to start conversations, share reliable health information, and encourage practical actions that can make a difference in everyday life.

September 2026 Health Awareness Observances at a Glance

The major September health observances highlighted in the Philippine health calendar include:

• September – Childhood Cancer Awareness Month
• September 1–7 – Obesity Prevention Awareness Week
• September 10 – World Suicide Prevention Day
• September 26 – World Environmental Health Day
• September 28 – World Rabies Day
• September 28 – Kainang Pamilya Mahalaga Day

The first week of September is also associated with several other health awareness campaigns, making the month particularly important for schools, health organizations, local communities, and families. The Department of Health has included these observances among its September health-related campaigns.

Childhood Cancer Awareness Month

Throughout September, communities recognize Childhood Cancer Awareness Month, which focuses attention on children and families affected by cancer.

Childhood cancer can have a profound effect not only on young patients but also on parents, siblings, caregivers, teachers, and communities. Awareness campaigns help promote understanding of childhood cancers, encourage support for affected families, and highlight the importance of research, treatment, and early medical attention.

The Philippine National Nutrition Council notes that childhood cancer awareness activities aim to increase understanding and support for children with cancer and their families. Common childhood cancers include leukemia, lymphoma, brain tumors, bone tumors, and abdominal tumors.

For families, one meaningful way to observe this month is to learn about childhood cancer from reliable medical sources rather than relying on social media claims. Schools and communities can also use the month to promote compassion and discourage stigma toward children undergoing treatment.

Obesity Prevention Awareness Week: September 1–7, 2026

The first week of September is Obesity Prevention Awareness Week, an opportunity to focus on healthy eating, physical activity, and sustainable lifestyle habits.

According to the Department of Health, obesity has multiple contributing factors, including genetics, hormones, social conditions, and environmental influences. Prevention therefore involves more than simply telling someone to eat less or exercise more.

Families can observe the week by making realistic changes such as adding more fruits and vegetables to meals, choosing nutritious foods more often, reducing excessive consumption of highly processed foods, drinking water regularly, and encouraging children to participate in age-appropriate physical activities.

The goal should not be appearance or unrealistic weight standards. Instead, the focus should be on building healthy habits that support overall well-being.

World Suicide Prevention Day – September 10, 2026

World Suicide Prevention Day is observed every September 10. The World Health Organization lists September 10 among its global health days and campaigns.

The observance encourages communities to talk more openly about suicide prevention and mental health. The current World Suicide Prevention Day theme for the 2024–2026 period is “Changing the Narrative on Suicide,” which emphasizes the importance of changing harmful conversations and encouraging openness around suicide and suicidal behavior.

For families and schools, this can be an opportunity to promote kindness, listening, and emotional support. A person who appears fine on the outside may still be experiencing serious difficulties.

If someone expresses thoughts of suicide or appears to be in immediate danger, the situation should be taken seriously and professional or emergency assistance should be sought immediately.

World Environmental Health Day – September 26, 2026

World Environmental Health Day falls on September 26. It highlights the connection between the environment and human health.

Clean air, safe water, proper sanitation, healthy food systems, waste management, and safe surroundings all contribute to healthier communities. Environmental problems can affect people in many ways, which is why protecting the environment is also an important part of protecting public health.

Families can participate by reducing unnecessary waste, keeping surroundings clean, disposing of garbage properly, conserving water, and avoiding practices that contribute to pollution.

Environmental health is not only a government responsibility. Small actions performed consistently by households, schools, businesses, and communities can contribute to healthier surroundings.

World Rabies Day – September 28, 2026

World Rabies Day is observed every September 28 to raise awareness about rabies prevention.

Rabies is a deadly but preventable viral disease. The World Health Organization emphasizes vaccination, dog-bite prevention, responsible animal care, and access to appropriate post-exposure treatment as important components of rabies prevention.

Pet owners can help by keeping dogs and other susceptible animals properly vaccinated and by teaching children how to behave safely around animals.

Anyone who has been bitten or scratched by an animal that could potentially carry rabies should seek medical advice promptly rather than waiting for symptoms to appear.

Kainang Pamilya Mahalaga Day – September 28, 2026

The fourth Monday of September is recognized in the Philippines as Kainang Pamilya Mahalaga Day, highlighting the importance of families sharing meals together.

In 2026, the fourth Monday of September falls on September 28.

The observance is associated with Proclamation No. 326, which recognizes the importance of family meals in strengthening family relationships.

A shared meal does not have to be expensive or elaborate. What matters is creating an opportunity for family members to sit together, talk, listen, and reconnect.

In a world where work, school, social media, and digital entertainment can easily compete for everyone's attention, even one device-free family meal can become a meaningful tradition.

Why September Health Awareness Matters

Health awareness days and months are more than dates on a calendar. They are reminders to pause and consider what individuals and communities can do to improve health and prevent avoidable problems.

September 2026 brings together several important messages: support children facing cancer, encourage healthy habits, talk openly about mental health, protect the environment, prevent rabies, and make time for family.

These themes may appear different, but they share a common purpose: creating healthier and more supportive communities.

Whether you are a parent, teacher, student, health worker, community leader, or simply someone who wants to live a healthier life, September provides many opportunities to learn and take action.

The best way to observe these health awareness dates is not simply to post about them online. It is to turn awareness into practical action—one healthy meal, one meaningful conversation, one responsible decision, and one act of kindness at a time.

As September 2026 approaches, keep these dates on your calendar and use them as reminders to care for yourself, your family, and your community.

DepEd Clarifies Wellness Leave for Teachers During Class Days: What Teachers Need to Know

The Department of Education (DepEd) has issued a clarification on the availment of Wellness Leave (WL) by teachers during class days, addressing an important concern for public school educators who may need to take approved wellness leave while classes are in session.

The clarification, dated August 10, 2026, reinforces that the fact that a teacher is scheduled to teach on a particular day does not, by itself, prevent the teacher from using approved Wellness Leave.

This development is particularly important because teachers may sometimes hesitate to file or use wellness leave on class days because of concerns about who will handle their classes. Under the clarification, arrangements for class continuity are the responsibility of school management and should not become a reason to deny, delay, or unnecessarily restrict an approved wellness leave.

DepEd Wellness Leave Policy for Teachers

The clarification is anchored on DepEd Order No. 002, s. 2026, titled Guidelines on the Grant of Wellness Leave for the Department of Education Personnel. DepEd officially issued the order on February 13, 2026.

The policy recognizes the importance of the holistic well-being of DepEd personnel. It is also aligned with Civil Service Commission Memorandum Circular No. 01, s. 2026, which provides for a Wellness Leave policy for government officials and employees.

Under the policy cited in the August 10 clarification, government personnel may be granted up to five days of Wellness Leave for purposes that may include mental health care, physical wellness activities, or simply taking a needed break from work.

For teachers, this means wellness is being treated as a legitimate component of employee welfare rather than something that should automatically be set aside whenever classes are scheduled.

Can Teachers Use Wellness Leave During Class Days?

Yes. Teachers may avail themselves of approved Wellness Leave even during class days, subject to the applicable rules and requirements governing the grant of leave.

The key point in the August 10, 2026 clarification is that having classes scheduled on a particular day does not, by itself, prevent a teacher from using approved Wellness Leave.

This distinction matters.

A teacher may have a full teaching schedule on a particular day, but that does not automatically eliminate the teacher's right to avail of an approved leave benefit. Instead, the school should make appropriate arrangements to ensure that affected classes continue to receive instruction.

In other words, the presence of classes creates a scheduling responsibility for the school—it does not automatically cancel an approved Wellness Leave.

School Heads Are Expected to Arrange Class Relievers

One of the most significant provisions concerns the designation of qualified teachers as relievers.

When a teacher's approved Wellness Leave affects scheduled classes, the school head is expected to designate qualified teachers to handle the affected classes. In making these arrangements, school heads should consider several factors, including the reliever's qualifications, existing teaching load, availability, and welfare.

This is intended to protect two important interests at the same time: the teacher's well-being and the continuity of teaching and learning.

The clarification therefore places emphasis on proper planning rather than requiring teachers to give up their approved wellness leave simply because a substitute must be arranged.

Relievers May Be Entitled to Overload Pay

Another important point for teachers concerns compensation.

Teachers who are assigned to undertake additional teaching or relieving duties may be eligible for teaching overload pay, provided that the assignment meets the applicable requirements.

This is linked to DepEd Order No. 005, s. 2024, which covers the rationalization of teachers' workload in public schools and the payment of teaching overload. DepEd has explained that teachers generally should not be required to render more than six hours of actual classroom teaching per day, while teaching beyond that limit under qualifying circumstances may be compensated as teaching overload.

The existing implementation guidelines also provide a mechanism for computing teaching overload pay based on total qualifying overload hours and the applicable Prime Hourly Teaching Rate.

Therefore, when a teacher is asked to provide additional classroom coverage because another teacher is on approved Wellness Leave, the school should properly document the additional teaching duties and determine whether the assignment qualifies for compensation under existing rules.

Approved Wellness Leave Should Not Be Denied Because of Reliever Concerns

Perhaps the most important clarification for teachers is that the need to find a reliever should not be used as a reason to deny, delay, or unduly restrict approved Wellness Leave.

The August 10 issuance specifically directs school heads to make appropriate arrangements for affected classes while facilitating the proper availment of Wellness Leave in accordance with existing policies.

This means that the administrative challenge of finding someone to cover a class should not simply be transferred to the teacher who is taking approved leave.

The underlying principle is straightforward: schools should plan for continuity while respecting the employee's approved leave entitlement.

What Teachers Should Remember Before Filing Wellness Leave

Teachers who intend to use Wellness Leave should still follow the applicable leave application and approval procedures.

An approved Wellness Leave is different from simply being absent without authorization. Teachers should therefore make sure that their application is properly processed and approved in accordance with existing DepEd and civil service rules.

Once the leave is properly approved, class arrangements should be coordinated by the school.

Teachers should also keep copies or records of relevant leave documents when appropriate, particularly if questions arise regarding the approval, schedule, or documentation of the leave.

The clarification does not mean that teachers can simply leave their classes without following established procedures. Rather, it clarifies that an approved Wellness Leave remains allowable even when the teacher is scheduled to teach on that day.

Why This Clarification Matters for Public School Teachers

The clarification comes at an important time when employee well-being has become an increasingly significant workplace concern.

Teaching is not limited to classroom instruction. Public school teachers also deal with lesson preparation, assessment, classroom management, coordination, documentation, school activities, and other responsibilities.

DepEd's workload policies have likewise sought to clarify teachers' official working arrangements and compensation for qualifying additional teaching duties. In 2024, DepEd highlighted the goal of creating a more balanced and sustainable environment for educators through workload rationalization and teaching overload compensation.

Wellness Leave adds another component to that broader employee-welfare framework.

For teachers, the practical message is that taking care of one's well-being does not automatically become inappropriate simply because classes are ongoing.

What School Heads and Administrators Need to Do

School heads have an important role in implementing the clarification consistently.

They are expected to ensure that Wellness Leave applications are processed according to existing policies. When an approved leave affects classes, appropriate relievers should be designated based on qualifications, workload, availability, and welfare.

Additional teaching or relieving duties should also be properly documented.

At the division and regional levels, responsible officials are expected to help ensure that the clarification is disseminated and consistently implemented within their jurisdictions.

This is important because consistent implementation can help prevent different interpretations of the policy from creating confusion among teachers and school administrators.

Bottom Line: Teachers Can Use Approved Wellness Leave on Class Days

The latest clarification provides a clear answer to a question many teachers may have:

A teacher's scheduled class on a particular day does not, by itself, prevent the teacher from availing of approved Wellness Leave.

Schools should make arrangements for affected classes, including the designation of qualified relievers when necessary. Teachers assigned additional teaching or relieving duties may qualify for overload pay when the assignment meets the requirements of applicable rules.

Most importantly, the need to arrange a substitute should not be used as a basis for denying, delaying, or unnecessarily restricting an approved Wellness Leave.

For teachers, the message is simple: wellness matters, and approved leave should be handled according to policy while schools make the necessary arrangements to keep classes running.

Teachers and school heads should continue to refer to the full text of DepEd Order No. 002, s. 2026, the applicable CSC Wellness Leave policy, DepEd Order No. 005, s. 2024, and subsequent official issuances for the complete requirements and procedures. DepEd's official website lists DO 002, s. 2026 among its 2026 issuances.

Important: This article is an informational summary of the August 10, 2026 clarification provided in the source material and should not be treated as a substitute for the complete official issuance. Teachers and school administrators should follow the latest official DepEd, CSC, and applicable government rules.

Official References

• DepEd Order No. 002, s. 2026 — Guidelines on the Grant of Wellness Leave for the Department of Education Personnel.
• DepEd Order No. 005, s. 2024 — Rationalization of Teachers' Workload in Public Schools and Payment of Teaching Overload.
• DepEd Memorandum No. 053, s. 2024 — implementation guidelines related to teacher workload and teaching overload pay.

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DepEd Reiterates Ban on Using ATM Payroll Cards as Loan Collateral: What Teachers Need to Know in 2026

The Department of Education (DepEd) has issued a renewed reminder to its personnel not to use or surrender their ATM payroll cards as collateral for loans, highlighting the financial and security risks associated with the practice commonly known as “Sangla-ATM.”

The reminder was issued through DepEd Memorandum No. 049, s. 2026, dated August 12, 2026, and comes as a reiteration of the Department’s earlier policy against using payroll ATM cards to secure loans. The latest memorandum directs DepEd personnel to exercise caution when entering into loan agreements and to avoid informal or unauthorized lending arrangements.

For teachers, school heads, non-teaching personnel, and other DepEd employees who may be looking for additional financial assistance, the memorandum is an important reminder: having a legitimate loan is different from surrendering control of the bank account where a salary is deposited.

What Is DepEd Memorandum No. 049, s. 2026?

DepEd Memorandum No. 049, s. 2026 is titled “Reiteration of the Reminder to Refrain from Using ATM Payroll Cards as Loan Collateral.”

The memorandum reiterates an earlier Office Memorandum, OM-OSEC-2020-006, dated April 18, 2020, which reminded DepEd personnel not to use their ATM payroll cards as collateral for loans or participate in ATM “Sangla” arrangements.

The latest issuance also references the Bangko Sentral ng Pilipinas (BSP) advisory on the Sangla-ATM scheme issued in May 2023. DepEd describes the practice as a high-risk and potentially abusive lending arrangement because of the risks involving unauthorized withdrawals, financial exploitation, excessive indebtedness, and misuse of personal and sensitive information.

The Department has therefore made clear that the latest memorandum is a reiteration of an existing reminder, rather than an entirely new prohibition introduced for the first time in 2026.

What Is a Sangla-ATM Loan?

“Sangla-ATM” generally refers to a lending arrangement in which a borrower gives a lender possession or control of an ATM card as security for a loan.

In some arrangements, the borrower may also be asked to provide the card’s personal identification number, or PIN. This can give the lender access to the account where the borrower’s salary or other funds are deposited.

The BSP previously warned that such arrangements can make it difficult for cardholders to monitor withdrawals. The central bank also cautioned that creditors could potentially withdraw amounts exceeding what the borrower owes.

For a DepEd employee, the risks can be particularly serious when the account connected to the ATM card is also the account used to receive regular payroll.

Why Is DepEd Warning Teachers and Employees About Sangla-ATM?

DepEd's latest memorandum identifies several concerns associated with the practice.

First is the possibility of uncontrolled withdrawals. If another person has possession of an ATM card and the information needed to access the account, the employee may have less control over funds deposited into that account.

Second is the risk of financial exploitation. Informal lending arrangements may involve high interest rates, unfavorable terms, or other conditions that can make repayment increasingly difficult.

Third is excessive indebtedness. A quick loan may appear attractive when an employee needs money immediately, but expensive repayment conditions can create additional financial pressure.

Finally, DepEd emphasized the importance of protecting personal and sensitive information. Giving another party access to banking credentials can create security and privacy risks.

These concerns are consistent with the BSP's earlier warning that borrowers who surrender ATM cards and PINs can have difficulty monitoring transactions and may become vulnerable to unauthorized withdrawals.

Does the DepEd Memo Mean Teachers Cannot Take Loans?

No.

This is an important distinction.

DepEd's memorandum does not prohibit its personnel from obtaining legitimate loans. Instead, it reiterates the warning against using or surrendering ATM payroll cards as loan collateral.

DepEd personnel may still use legitimate loan programs and authorized lending facilities, provided they meet the applicable requirements and conditions.

The latest memorandum specifically encourages personnel to use accredited, authorized, and regulated lending facilities. These include government loan programs offered by the Government Service Insurance System (GSIS), DepEd Provident Fund, Land Bank of the Philippines, and Pag-IBIG Fund, as well as SEC-registered and duly licensed lending companies and other DepEd-accredited private lending institutions.

This means employees should not interpret the latest reminder as a ban on borrowing money. Rather, it is a warning to choose safer and properly regulated lending arrangements.

What Should DepEd Personnel Check Before Getting a Loan?

Teachers and other DepEd employees should carefully review any loan offer before signing an agreement.

One of the first warning signs is a requirement to surrender an ATM payroll card to the lender.

Employees should also be cautious if a lender asks for their ATM PIN or other banking credentials.

Before accepting a loan, borrowers should check the lender's identity, registration or accreditation, interest rate, repayment schedule, penalties, fees, and other conditions.

A loan advertised as being specifically for “teachers,” “government employees,” or “DepEd personnel” should not automatically be assumed to be an official DepEd loan.

Employees should verify information through appropriate official channels instead of relying solely on social media advertisements, agents, personal referrals, or informal lenders.

What Does the Earlier 2020 DepEd Policy Say?

The latest memorandum builds on DepEd's 2020 reminder.

In OM-OSEC-2020-006, DepEd reminded employees to refrain from using ATM payroll cards as collateral for loans or engaging in ATM Sangla arrangements. The earlier guidance also noted concerns regarding identity theft, unauthorized use of personal information, and over-indebtedness.

The 2020 memorandum further stated that surrendering ATM cards as collateral for loans was prohibited under the terms and conditions for entities accredited under DepEd's Automatic Payroll Deduction System.

The 2026 memorandum therefore reinforces a policy that has been in place for several years.

What Does the 2026 Reminder Mean for Teachers?

For teachers and other DepEd personnel, the practical message is straightforward:

Do not surrender your payroll ATM card to a lender as collateral for a loan.

If financial assistance is needed, employees should explore legitimate and regulated options instead.

The safest approach is to understand the complete loan agreement before signing it, verify the lender, compare repayment terms, and protect the banking credentials connected to the account where salary payments are received.

Employees should also remember that a loan with an easy application process is not necessarily the safest loan.

Does the Memorandum Apply to All Government Employees?

DepEd Memorandum No. 049, s. 2026 specifically addresses DepEd personnel.

The broader Sangla-ATM practice, however, is not limited to teachers. Similar arrangements can affect other government employees and private-sector workers.

The BSP has previously advised the general public to avoid Sangla-ATM arrangements because of the risks associated with surrendering ATM cards and PINs. The central bank has also encouraged borrowers to understand their loan agreements and inquire directly with banks and other supervised financial institutions about available loan facilities.

Therefore, employees outside DepEd should check the rules and policies applicable to their own employer, agency, bank, or financial regulator.

Bottom Line: DepEd's ATM Payroll Card Warning in 2026

As of August 13, 2026, DepEd's position is clear: its personnel are being reminded not to use or surrender their ATM payroll cards as collateral for loans.

The latest reminder comes through DepEd Memorandum No. 049, s. 2026, issued on August 12, 2026. The Department considers Sangla-ATM a high-risk lending practice that can expose personnel to unauthorized withdrawals, financial exploitation, excessive debt, and misuse of sensitive personal information.

The memorandum does not mean that teachers and other DepEd employees are prohibited from borrowing money. Legitimate and regulated loan facilities remain available.

The key difference is how the loan is obtained and what the lender requires from the borrower.

For DepEd personnel, protecting the payroll account should be a priority. Before accepting any loan, employees should verify the lender, carefully read the terms, understand the total cost of borrowing, and avoid arrangements that require them to surrender their ATM card or banking credentials.

When a financial emergency arises, a fast loan may seem like the easiest solution. But protecting long-term financial security is just as important as getting immediate access to cash.

DepEd Reminds Teachers and Personnel to Use Social Media Responsibly

The Department of Education (DepEd) has issued a new reminder to all DepEd personnel regarding the responsible use of social media, particularly when online posts involve learners, classroom activities, school premises, or official functions.

The memorandum dated August 11, 2026, titled “Reminder on the Responsible Use of Social Media by All DepEd Personnel,” reiterates existing rules on professionalism, ethical conduct, learner protection, privacy, and responsible online behavior.

The reminder is particularly relevant at a time when teachers and school personnel regularly use Facebook, TikTok, Instagram, YouTube, Messenger, and other online platforms for communication, educational activities, announcements, and personal content.

For teachers, the message is straightforward: having a personal social media account does not remove the professional responsibilities that come with being a DepEd employee.

What Is the Latest DepEd Reminder on Social Media Use?

The August 11, 2026 memorandum was issued after the Department received reports concerning social media posts involving teachers and other school personnel that may not be consistent with the standards of professionalism expected from DepEd employees.

The memorandum emphasizes that teachers and other personnel should exercise professionalism, prudence, and sound judgment when posting, sharing, commenting, or otherwise participating in social media.

This applies whether social media is being used for personal purposes or in connection with official duties.

The reminder does not simply create a new rule about posting online. Instead, it reinforces existing DepEd policies and connects them with newer learner-protection and media-management guidelines.

DepEd's official issuance records list DepEd Order No. 049, s. 2022, DepEd Order No. 006, s. 2026, and DepEd Order No. 007, s. 2026 among the Department's issuances.

Why Is DepEd Reminding Teachers About Social Media?

Social media can be a useful tool in education. Teachers may use online platforms to communicate with parents, share learning resources, promote school activities, or highlight accomplishments.

However, social media can also create risks when posts involve learners, colleagues, school activities, or information obtained through official duties.

A post that appears harmless to one person may potentially expose a learner to unwanted attention, embarrassment, harassment, ridicule, or privacy concerns.

The August 11 reminder therefore stresses the importance of thinking carefully before publishing or sharing content.

Teachers and school personnel are expected to consider not only whether they are legally allowed to post something, but also whether the post is professionally appropriate.

What Does DepEd Order 049, s. 2022 Say About Social Media?

One of the major policies referenced in the memorandum is DepEd Order No. 049, s. 2022, which amended DepEd Order No. 047, s. 2022 on the promotion of professionalism in the implementation and delivery of basic education programs and services.

The Order specifically introduced provisions concerning the responsible use of social media.

Among other things, DepEd personnel are reminded to consider applicable laws, rules, and DepEd issuances when using social media, whether for personal purposes or as part of their official responsibilities.

The policy also calls on employees and officials to exercise caution when sharing posts and other content and to avoid spreading rumors and false information.

It also prohibits inappropriate online attacks against fellow DepEd employees and reminds personnel to use appropriate legal and human-resource procedures when dealing with workplace concerns.

Another important principle is that personnel should not disparage DepEd and should remain mindful of the reputation and honor of the organization.

Can DepEd Teachers Still Use Their Personal Facebook or TikTok Accounts?

Yes, the August 11 reminder does not mean that DepEd employees are prohibited from having or using personal social media accounts.

The important issue is responsible use.

The memorandum specifically explains that the use of a personal account does not automatically remove the professional and ethical standards applicable to DepEd personnel.

This becomes especially important when an employee's online activity identifies them as a DepEd employee or is connected with learners, school activities, school premises, or official functions.

In practical terms, teachers should pause before posting and ask whether the content could affect their professional responsibilities, the rights of learners, or the reputation of the school and Department.

What If a Social Media Post Includes Learners?

This is one of the most important areas highlighted by the memorandum.

Teachers and other personnel who directly interact with learners hold positions of trust and authority. Because of this, they are expected to maintain appropriate professional boundaries.

Extra care should therefore be exercised when social media content includes learners or classroom activities.

A teacher may have taken a photograph or video during a school activity, but that does not automatically mean it should be uploaded to a personal social media account.

Before posting, personnel should consider the purpose of the content, applicable DepEd rules, privacy requirements, consent requirements, and the possible impact on the learner.

The memorandum warns against repurposing learners' participation or classroom activities for personal social media content in a way that could expose learners to unnecessary public scrutiny, ridicule, harassment, or controversy.

How Does DO 006, s. 2026 Protect Learners Online?

The August 11 reminder also refers to DepEd Order No. 006, s. 2026, titled Guidelines on Ensuring a Safe and Motivating Learning Environment (ESMLE).

The Order strengthens learner-protection measures in both physical and virtual environments and works alongside existing DepEd policies.

According to the memorandum, DO 006, s. 2026 emphasizes the responsibility of teaching, teaching-related, and nonteaching personnel to uphold professionalism and ethics while protecting learners' rights, autonomy, and personal boundaries.

It also addresses the responsible use of portable electronic devices during instructional hours and includes safeguards concerning learners' Personally Identifiable Information, or PII.

This is particularly important when social media is involved because learner information should not be unnecessarily exposed on public platforms.

DepEd's official website identifies DO 006, s. 2026 as the Guidelines on Ensuring a Safe and Motivating Learning Environment (ESMLE), issued on March 24, 2026.

What About Learners' Personal Information and Photos?

Privacy is another major concern.

Schools and Community Learning Centers are expected to implement appropriate technical and organizational measures to protect learners' Personally Identifiable Information.

The memorandum states that learner PII should be used only for its stated purpose and should not be disclosed to another party or public forum, including social media, without the explicit consent of the learner and their parent or legal guardian, unless disclosure is legally mandated or essential for the school's functions.

This means that teachers and other school personnel should be particularly careful when sharing photographs, videos, names, student work, classroom activities, or other information that could identify a learner.

When in doubt, the safer approach is to follow the applicable school and DepEd procedures before publishing.

What Does DepEd Order 007, s. 2026 Say?

Another issuance mentioned in the August 11 memorandum is DepEd Order No. 007, s. 2026, or the Media Management Guidelines.

DepEd's official issuance page lists DO 007, s. 2026 as the Media Management Guidelines, dated March 25, 2026.

The August 11 reminder explains that while the Media Management Guidelines generally do not regulate the personal use of social media by DepEd personnel, personal accounts may still become subject to regulation in circumstances where they appear to contain official DepEd communications or adversely affect the image, reputation, or functions of the Department, its officials, employees, or personnel.

This distinction is important. A personal account can still raise professional concerns depending on what is posted and how the account or content relates to DepEd.

What Should DepEd Teachers Remember Before Posting?

The latest reminder can be translated into several practical questions teachers and school personnel can ask themselves before posting:

Does the post involve a learner?

If yes, carefully consider privacy, consent, learner protection, and professional boundaries.

Was the content obtained through official duties?

If so, consider whether it is appropriate and authorized to share publicly.

Does the post contain personal information?

Avoid unnecessarily exposing learner information or other protected information.

Could the post embarrass, ridicule, harass, or expose someone to unwanted attention?

If there is a reasonable possibility, reconsider posting it.

Does the post attack or disparage another DepEd employee?

Workplace disputes should be handled through appropriate procedures rather than online attacks.

Could the post affect the reputation of DepEd?

Employees are reminded to remain mindful of the Department's reputation and honor.

Is the post educationally necessary?

If learners or classroom activities are involved, the legitimate educational purpose should be clear.

Does the August 11 Memorandum Create New Penalties?

The memorandum primarily serves as a reminder and reiteration of existing responsibilities and policies.

It points to several existing DepEd issuances, including DO 049, s. 2022, DO 006, s. 2026, and DO 007, s. 2026.

Importantly, the memorandum also points out that certain violations under the newer learner-environment guidelines may constitute grounds for administrative disciplinary action.

This means teachers and other personnel should not treat social media activity as completely separate from their professional responsibilities.

The appropriate response is not to stop using social media altogether, but to use it responsibly and consistently with applicable laws, DepEd policies, privacy requirements, and professional standards.

What This Means for Teachers and Other DepEd Personnel

The August 11, 2026 reminder sends a broader message about professionalism in the digital age.

Teachers are not expected to give up their personal lives or personal social media accounts. However, their professional responsibilities continue to matter when their online activities intersect with learners, school operations, classroom activities, official functions, or the reputation of DepEd.

A simple rule is worth remembering:

Think before you post, especially when learners, colleagues, or school activities are involved.

A few seconds of reflection before uploading a photo, video, comment, or classroom-related post can help prevent a much larger problem later.

For teachers, school heads, administrative staff, and other DepEd personnel, responsible social media use is ultimately part of responsible professional conduct.

Final Reminder for DepEd Personnel

As of August 12, 2026, the Department of Education's latest reminder on responsible social media use emphasizes professionalism, caution, learner protection, privacy, and sound judgment.

The August 11 memorandum reinforces that social media responsibilities apply even when personnel are using personal accounts, particularly when their posts involve learners, classroom activities, school premises, or official functions.

Teachers and other DepEd employees should therefore review the applicable policies before posting content that could affect learners, colleagues, schools, or the Department.

For the most accurate and complete interpretation, personnel should refer to the actual DepEd issuances and official guidance rather than relying solely on social media summaries or screenshots.

Important: This article is for general information and does not constitute legal advice or an official interpretation of DepEd policy. In case of uncertainty, DepEd personnel should consult their school head, Schools Division Office, appropriate DepEd office, or the full text of the applicable issuance.

Official DepEd References

For official issuances and updates, readers may consult the Department of Education official website and its DepEd Orders page.

The official DepEd website lists DO 007, s. 2026, DO 006, s. 2026, and other 2026 issuances.

Source: Department of Education, “Reminder on the Responsible Use of Social Media by All DepEd Personnel,” dated August 11, 2026; DepEd Order No. 049, s. 2022; DepEd Order No. 006, s. 2026; and DepEd Order No. 007, s. 2026.

DepEd Allocates ₱2.289 Billion for 2026 School Innovation and Improvement Fund to Strengthen Literacy and Numeracy

The Department of Education (DepEd) has allocated ₱2.289 billion under the School Innovation and Improvement Fund (SIIF) for Fiscal Year 2026, providing direct financial support to eligible public schools for projects designed to improve literacy and numeracy.

The allocation is part of the government's broader effort to address learning gaps by giving schools greater flexibility to identify and respond to the needs of their own learners. Under the 2026 General Appropriations Act (Republic Act No. 12314), the funding supports a more decentralized approach to basic education, allowing school leaders and teachers to develop interventions that are appropriate for their local context.

For teachers, school heads, and families following developments in Philippine public education, the 2026 SIIF represents another important step toward bringing education resources closer to where learning actually happens: the school and the classroom.

What Is the School Innovation and Improvement Fund?

The School Innovation and Improvement Fund (SIIF) is a DepEd funding mechanism intended to help eligible public schools implement localized programs and interventions that respond to specific learning needs.

Rather than relying entirely on centrally designed solutions, the program recognizes that schools face different challenges. A small school in a low-income municipality, for example, may have very different literacy and numeracy priorities from a larger school in an urban community.

The SIIF is therefore connected to the principle of school-level decision-making. It gives school leaders additional resources and flexibility to implement practical interventions based on their learners' needs and school improvement priorities.

The program was initially established through DepEd Memorandum No. 073, s. 2025, titled Allocation and Release of the School Innovation and Improvement Fund to Eligible Public Schools to Strengthen Decentralization and Accelerate Literacy Interventions of the Department of Education for Fiscal Year 2025.

How Much Funding Has Been Allocated for SIIF in 2026?

For FY 2026, DepEd's budget includes ₱2,289,250,000 for the School Innovation and Improvement Fund to public schools.

DepEd's FY 2026 financial accountability report also identifies the SIIF as a specific program under its Government Assistance and Subsidies budget.

The funding is intended to support eligible schools, particularly those that have historically had fewer fiscal resources and may face greater challenges in addressing learning gaps.

The approach is consistent with the national government's broader objective of directing public resources toward programs that can produce tangible improvements in basic education outcomes.

Why Literacy and Numeracy Remain a Major Priority

Reading and mathematics are among the most fundamental skills learners need to succeed in school and eventually participate effectively in work and society.

When students struggle to read with understanding or perform basic mathematical operations, those difficulties can affect their performance in other subjects. Learning gaps can also become more difficult to address as students move to higher grade levels.

This is why school-based literacy and numeracy interventions can be particularly important.

With direct funding, schools may be better positioned to provide remediation, enrichment activities, additional learning resources, targeted interventions, and other programs suited to their learners.

The objective is not simply to spend more money on education. The larger goal is to ensure that available resources are directed toward specific learning needs and produce measurable improvements for students.

SIIF Builds on the 2025 Pilot Implementation

The 2026 funding expands on the experience of the SIIF's initial implementation.

During the pilot rollout, SIIF supported 4,043 non-implementing elementary and junior high schools located in fourth- and fifth-class municipalities.

The pilot reportedly recorded an 84 percent fund utilization rate, with resources supporting academic recovery, remediation, and learning enrichment for approximately 405,930 learners nationwide.

These figures are significant because they demonstrate how relatively localized funding can support a large number of students when resources are directed toward schools with identified needs.

The experience also provides DepEd with lessons that can inform the implementation and monitoring of the 2026 allocation.

More Schools Can Benefit Under the 2026 Program

One notable development for FY 2026 is the expansion of the program's coverage.

The 2026 implementation includes qualified senior high schools, in addition to eligible elementary and junior high schools.

Another important feature is the use of predetermined allocations for selected schools. Eligible schools do not need to go through the same proposal-submission process simply to access their designated SIIF allocation.

This can help reduce administrative delays and allow school heads to focus more quickly on planning and implementing interventions.

The funding formula also considers factors such as the income classification of the municipality and the size of the learner population.

How the SIIF Allocation Is Determined

The funding approach gives greater consideration to schools located in municipalities with lower income classifications and larger student populations.

A baseline allocation of at least ₱50,000 per school is provided under the stated criteria.

Schools located in third-, fourth-, and fifth-class municipalities can receive higher allocations compared with schools located in first- and second-class municipalities.

This approach recognizes an important reality in public education: schools do not all operate with the same resources or face the same circumstances.

A school serving a large population in a lower-income community may require additional support to provide effective learning interventions. By taking local conditions into account, the SIIF seeks to make school-level funding more responsive and equitable.

What Can Schools Use the SIIF For?

The central purpose of the fund is to support initiatives connected to school improvement, particularly interventions addressing literacy and numeracy.

Depending on the school's identified needs and applicable DepEd rules, funded activities may support academic recovery, remediation, learning enrichment, and other interventions aligned with school improvement priorities.

This gives school leaders an opportunity to move beyond a one-size-fits-all approach.

For example, one school may need stronger reading intervention programs for struggling readers, while another may prioritize mathematics remediation. A different school may need learning materials or enrichment activities to strengthen foundational competencies.

The important principle is that spending should be connected to actual learner needs and the school's improvement priorities.

Accountability Remains Part of the Program

While SIIF gives schools greater flexibility, the funding does not remove accountability requirements.

School heads are expected to submit quarterly physical and financial progress reports through the SIIF Online Monitoring Tool in the digital InsightED application.

This monitoring system is intended to help DepEd track both how funds are being used and what schools are accomplishing through their funded interventions.

DepEd regional offices and Schools Division Offices also provide technical assistance and monitoring support to recipient schools.

Recent DepEd regional issuances show that the FY 2026 SIIF monitoring system has continued to develop. For example, DepEd Region VIII reported a June 2026 pilot-testing activity for the FY 2026 SIIF Online Monitoring Tool through InsightED.

Other DepEd offices have likewise issued updates related to SIIF implementation, utilization, and assessment during 2026.

What the ₱2.289 Billion SIIF Fund Could Mean for Schools

The significance of the 2026 SIIF allocation goes beyond the amount of money being provided.

At its core, the program reflects a shift toward giving schools more responsibility—and more resources—to address problems they understand firsthand.

Teachers see which students are struggling with reading. School heads know which learning resources are lacking. Local education leaders understand the challenges faced by their communities.

Putting resources closer to these decision-makers can make interventions more targeted and responsive.

However, the success of the program will ultimately depend on implementation. Funding must translate into useful programs, appropriate learning resources, effective remediation, and measurable improvements in student performance.

What Teachers, Parents, and Communities Should Watch for in 2026

As the FY 2026 SIIF continues to be implemented, teachers and school communities can watch for announcements from their respective Schools Division Offices and school heads regarding eligible schools, funded activities, implementation schedules, and reporting requirements.

Parents and community members can also play an important role by staying informed about school improvement initiatives and asking how programs supported by public funds are helping learners.

For teachers, the most important question is practical: Are the resources reaching the learners who need them most?

For school leaders, the challenge is equally important: Can the funding be converted into sustainable improvements in literacy and numeracy?

And for DepEd, continued monitoring will be essential to ensure that the program remains both flexible and accountable.

Bottom Line

The ₱2.28925-billion School Innovation and Improvement Fund for FY 2026 gives DepEd public schools an important source of direct support for literacy, numeracy, academic recovery, remediation, and learning enrichment.

The program builds on the initial SIIF implementation launched under DepEd Memorandum No. 073, s. 2025 and continues the department's effort to strengthen school-level decision-making.

With the FY 2026 allocation backed by Republic Act No. 12314, the focus now shifts to implementation: getting funds to eligible schools, using them for clearly identified learner needs, monitoring results, and ensuring that public education spending produces meaningful improvements in classrooms.

For Filipino learners, the real measure of the SIIF will not simply be how much money is allocated. It will be whether that investment helps more children read better, understand mathematics more confidently, and build the foundational skills they need for the next stage of their education.

As of August 10, 2026, the FY 2026 SIIF remains part of DepEd's ongoing school-level funding and monitoring efforts, with digital monitoring through InsightED being developed and implemented alongside regional and division-level technical assistance.

DepEd Order No. 020, s. 2026: New 7-Year Loan Terms Under the APDS Program

The Department of Education has issued DepEd Order No. 020, s. 2026, introducing revised loan terms under the Department of Education's Automatic Payroll Deduction System (APDS) Program.

The major change is significant for DepEd personnel who use APDS-accredited lending facilities: the maximum loan repayment period is now extended from five years to seven years.

The revised policy follows Bangko Sentral ng Pilipinas (BSP) Circular No. 1239, which amended regulations governing salary-based general-purpose consumption loans. Current reporting on the BSP circular confirms that the maximum allowable repayment period for covered salary-based consumption loans was extended to seven years, although the seven-year period is a maximum rather than an automatic entitlement for every borrower.

For teachers and other DepEd employees considering a salary-deducted loan, however, the most important point is this: a seven-year loan is now possible under APDS, but approval still depends on the lending entity's credit evaluation.

What Is DepEd Order No. 020, s. 2026?

DepEd Order No. 020, s. 2026 is titled "Revised Loan Terms of Payment Under the Department of Education's Automatic Payroll Deduction System Program."

The Order further amends the provisions on loan terms under previous APDS issuances, particularly DepEd Order No. 020, s. 2021 and DepEd Order No. 004, s. 2022.

The revised policy allows APDS-accredited lending entities to accommodate loans with repayment periods of up to seven years.

This does not mean that every DepEd employee can automatically choose a seven-year repayment period. Instead, the lending entity must determine whether the borrower qualifies based on its own credit policies, risk assessment, applicable regulations, and the borrower's capacity to repay.

DepEd APDS Loan Terms Now Extend Up to 7 Years

Under the revised APDS rules, only loans with a term not exceeding seven years will be accommodated.

The prescribed contractual interest-rate ceilings are based on the diminishing or declining principal balance method.

According to the Order, the ceilings are:

• 1 year: 7.500% per annum or 0.625% per month
• 2 years: 9.000% per annum or 0.750% per month
• 3 years: 9.660% per annum or 0.805% per month
• 4 years: 9.660% per annum or 0.805% per month
• 5 years: 9.660% per annum or 0.805% per month
• 6 years: 9.660% per annum or 0.805% per month
• 7 years: 9.660% per annum or 0.805% per month

The Order also provides a 6% one-time charge, which must be itemized in the borrower's Disclosure Statement and is deducted upfront from the principal amount.

Importantly, APDS-accredited entities are encouraged to offer rates lower than the prescribed ceilings.

This means borrowers should not assume that every lender will charge exactly the maximum rate stated in the policy.

How Much Is the Monthly Payment for a ₱100,000 Loan?

The annexes to DepEd Order No. 020, s. 2026 provide illustrations using a ₱100,000 principal amount.

The examples show how extending the repayment period lowers the monthly installment while increasing the total interest paid over the life of the loan.

Based on the illustrations provided in the Order:

1-year loan: approximately ₱8,675.74 per month

2-year loan: approximately ₱4,568.48 per month

3-year loan: approximately ₱3,210.78 per month

4-year loan: approximately ₱2,519.97 per month

5-year loan: approximately ₱2,108.02 per month

6-year loan: approximately ₱1,835.49 per month

7-year loan: approximately ₱1,642.61 per month

These figures are based on the Order's illustration for a ₱100,000 loan and should not be interpreted as a guaranteed quotation from every APDS-accredited lender.

The examples demonstrate the basic trade-off clearly: a longer repayment period can make the monthly deduction smaller, but the borrower generally pays more interest over the entire loan period.

How Much Interest Is Paid Over the Full Loan Term?

The difference becomes clearer when looking at the total interest shown in the APDS illustrations.

For the ₱100,000 example:

• 1 year: ₱4,108.91 total interest
• 2 years: ₱9,643.37 total interest
• 3 years: ₱15,588.05 total interest
• 4 years: ₱20,958.02 total interest
• 5 years: ₱26,480.68 total interest
• 6 years: ₱32,154.69 total interest
• 7 years: ₱37,978.52 total interest

There is also a ₱6,000 one-time charge in the illustration.

This is one of the most important details borrowers should consider before choosing a seven-year loan.

For example, the seven-year illustration brings the monthly payment down to around ₱1,642.61, but the total interest is substantially higher than the one-year example.

Therefore, a lower monthly deduction does not necessarily mean the loan is cheaper.

What Is the Effective Interest Rate or EIR?

Another important part of the revised APDS rules is the Effective Interest Rate (EIR).

The EIR gives borrowers a more meaningful picture of the cost of borrowing because it takes into account the interest and applicable charges associated with the loan.

For the illustrations in the Order, the EIR ceilings are:

• 1 year: 21.091% per annum
• 2 years: 16.351% per annum
• 3 years: 14.886% per annum
• 4 years: 13.759% per annum
• 5 years: 13.082% per annum
• 6 years: 12.632% per annum
• 7 years: 12.310% per annum

Borrowers should therefore look beyond the advertised monthly installment and check the Disclosure Statement, interest rate, EIR, one-time charges, total repayment, and other applicable costs before signing a loan agreement.

Does the New 7-Year Rule Mean Everyone Can Get a 7-Year Loan?

No.

This is perhaps the most important clarification in DepEd Order No. 020, s. 2026.

The availability of a repayment period of up to seven years does not automatically qualify every borrower for a seven-year loan.

The APDS-accredited lending entity remains responsible for evaluating the borrower.

Its decision may consider factors such as:

• income and repayment capacity;
• existing financial obligations;
• employment information;
• credit history;
• internal lending policies;
• risk-management requirements;
• applicable laws and regulations; and
• other factors relevant to the borrower's ability to repay.

The Department of Education itself will not participate in or influence the lender's credit evaluation or loan approval process.

DepEd's role is primarily to facilitate payroll deductions in accordance with APDS policies.

Mandatory Financial Literacy Before the Loan

Another notable provision is the requirement for APDS-accredited lending entities to provide borrowers with financial literacy or loan education before the evaluation or release of an APDS loan.

The education may be provided physically or digitally.

At a minimum, it should cover responsible borrowing, loan terms and conditions, interest and other charges, repayment obligations, consequences of non-payment or default, and basic financial management.

Lenders are also required to maintain documentary or electronic records showing that the borrower completed or acknowledged receipt of the financial literacy or loan education.

This provision is particularly important because a loan should not be evaluated solely by looking at the monthly deduction.

Borrowers need to understand the total cost and long-term effect on their income.

What Does the New APDS Policy Mean for DepEd Employees?

For teachers and other DepEd personnel, the seven-year maximum gives borrowers another repayment option.

Someone who cannot comfortably accommodate a large monthly deduction may find a longer repayment period easier to manage.

However, extending a loan for several additional years also means carrying the financial obligation for a longer period.

Before applying, borrowers should compare the monthly installment with their actual take-home pay and existing deductions.

It is also wise to compare offers from APDS-accredited entities instead of automatically choosing the first available loan.

A longer repayment term can provide short-term breathing room, but responsible borrowing requires looking at the total repayment amount, not just the monthly payment.

Key Takeaways on DepEd Order No. 020, s. 2026

The revised APDS policy can be summarized in a few important points:

The maximum APDS loan term is now seven years.

Seven years is a maximum, not an automatic loan entitlement.

The lender decides whether a borrower qualifies.

Interest-rate ceilings are based on a declining or diminishing principal balance.

A 6% one-time charge is included in the Order's prescribed structure and must be itemized in the Disclosure Statement.

APDS-accredited entities may offer rates below the prescribed ceilings.

Borrowers must receive financial literacy or loan education before evaluation or loan release.

DepEd does not approve or guarantee individual loans.

The policy takes effect immediately upon approval and issuance and upon publication through the channels specified in the Order.

Final Reminder for Teachers and DepEd Personnel

The extension to seven years may make salary-deducted loans more manageable for some borrowers, particularly when monthly cash flow is the main concern. The broader BSP policy also recognizes that a longer repayment period can make scheduled payments more manageable while retaining safeguards against excessive borrowing.

Still, a longer loan is not automatically a better loan.

Before signing, check the interest rate, EIR, one-time charges, monthly deduction, total repayment, repayment period, and consequences of default. Ask the lending entity to explain anything that is unclear.

Most importantly, borrow only an amount that you can reasonably repay without putting your regular household expenses and other financial obligations at risk.

DepEd Order No. 020, s. 2026 provides a longer maximum repayment period under APDS, but the decision to borrow—and the responsibility for repaying the loan—remains with the borrower.

This article is for general informational purposes and summarizes the policy details provided in DepEd Order No. 020, s. 2026. Borrowers should review the official Order, Disclosure Statement, and specific loan agreement provided by their APDS-accredited lending entity before making a financial decision.