Scholarships from the Commission on Higher Education (CHED)

PROGRAMS AND QUALIFICATIONS:

FULL SCHOLARSHIP (FS)

Intended for high school graduates whose general weighted average (GWA) is at least 90% or its equivalent, and for graduating high school students whose GWA is at least 90% or its equivalent in the third year and at least 90% in the first three grading periods of the fourth year, who will enroll in identified priority courses in duly authorized public or private higher education institutions (HEIs).

PARTIAL SCHOLARSHIP (PS)

Intended for high school graduates whose GWA is at least 85% or its equivalent and for graduating high school students whose GWA is at least 85% in the third year and at least 85% in the first three grading periods of the fourth year, who will enroll in identified priority courses in duly authorized public HEIs

QUALIFICATIONS

1. Must be a Filipino citizen;
2. Must be a high school graduate; candidate for graduation; with earned units in college; passer of ALS/PEPT;
3. Must have a combined annual gross income of parents/guardian not to exceed P300,000.00;
4. Must avail of only one CHED scholarship or financial assistance program; and
5. Must not be a graduate of any degree program.

*ln highly exceptional cases where income exceeds P300,000.00, the CHEDRO

StuFAPs Committee shall determine the merits of the application.

APPLICATION PROCEDURES AND DOCUMENTARY REQUIREMENTS

Student applicants should submit the accomplished CHED StuFAPs Application (StuFAPs Form 1) directly to the CHED Regional Office concerned.

However, applicants who intend to enroll in State Universities and Colleges (SUCs) shall directly submit their StuFAPs Form 1 to the concerned SUCs as stipulated in the Calendar of Activities (Annex A).

REQUIREMENTS

Academic requirement (for application)

For incoming freshmen

• For fourth year high school applicants: third year grades and first three grading periods of fourth year;
• For high school graduates fourth year report card (form 138)

For applicants with earned units in college

• Certificate of grades in all subjects in completed semesters

For other applicants

• ALS – Accreditation and Equivalency Test Passer Certificate
• PEPT – Certificate of Advancing to the Next Level

Other requirements

1. Any one of the following:

• Latest Income Tax Return (ITR) of parents or guardian,
• Certificate of Tax Exemption from the Bureau of Internal Revenue (BIR),
• Certificate of Indigency from their Barangay,
• Case Study from Department of Social Welfare and Development (DSWD), or Affidavit of No Income
• For children of Overseas Filipino Workers (OFW) and seafarers, a latest copy of contract or proof of income may be considered.

2. Certificate of good moral character from the last school attended.

Requirements for the processing of financial benefits of scholars, grantees and borrowers

For new scholars, grantees and borrowers:

• Copy of notice of award;
• Copy of Certificate of Enrollment/Registration Form or Official Receipt of Payment; and
• StuFAPs Contract

• for scholars and grantees – CHED Scholarship/Grant Agreement (StuFAPs Form 9.2)
• for borrowers – SNPLP Loan Agreement (StuFAPs Form 9.3)

For on-going scholars, grantees and borrowers:

• Photocopy of the certificate of enrollment/registration form;
• Certified true copy of grades during the previous semester issued by the registrar or his/her authorized school representative; and
• Photocopy of valid school ID, upon claim of financial benefits.

Rules to be observed by scholars, grantees and borrowers

• Enroll in identified priority courses in duly authorized HEIs;
• Maintain a weighted average grade of at least 2.5, B or 80% for scholars, and a weighted average grade of at least a passing grade for grantees and borrowers;
• Carry a normal academic load and finish within the duration of the course or curricular program;
• Transfer only to duly authorized higher education institutions and to identified priority courses upon approval of concerned CHEDRO; and
• Request approval from CHEDRO to defer enrolment during the semester for meritorious reasons for not more than one AY in the whole duration of the academic program.

Grounds for termination of scholarship/grant/loan

• Failure to maintain at least a weighted average grade of 2.5, B or 80% for scholars and a passing grade for grantees and borrowers within a given term;
• Dropping out from school without notifying the CHEDRO concerned;
• Deferment of scholarship/grant/loan without approval from CHEDRO;
• Carrying academic load below the normal number of units prescribed by the HEI for the term; and
• Transferring to another HEI/academic program without approval from the CHEDRO.

SELECTION CRITERIA

n the selection of scholars/grantees/borrowers, the following percentage distribution shall be used in the ranking:

Criteria	Percentage
1. Academic Performance GWA – for high school graduates and for graduating high school, average of GWAs for third year level and average of the first three grading periods of fourth year level At least a passing grade (for those with earned units in college) in all subjects in the last two (2) semesters ALS – Accreditation and Equivalency Test Passer Certificate (maximum of 80 percent) PEPT – Advancing to College Level Certificate (maximum of 80 percent)	60
2. Annual Gross Income	40
Total Points	100

FINANCIAL BENEFITS

The package of financial assistance to scholars/grantees/borrowers shall cover the completion of the degree program. The financial benefits per academic year (AY) are as follows:

Scholarship

A. SSP
Full	PhP	30,000
Partial	PhP	15,000
B. PESFA	PhP	15,000
Grants-in-Aid
Tulong Dunong	PhP	6,000
per academic year based on	PhP	9,000
tuition and other fees of HEIs	PhP	12,000

Study Now Pay Later Plan                                       PhP        15,000

Modes of Payment

The release of financial benefits shall be as follows:

• Mode 1 – CHEDROs release financial benefits directly to scholars / grantees / borrowers;
• Mode 2 – CHEDROs transfer financial benefits to scholars / grantees / borrowers through HEIs with ten (10) or more beneficiaries; and
• Mode 3 – CHEDROs transfer financial benefits to scholars / grantees / borrowers through authorized banks.

source: http://www.gov.ph/services/scholarships-from-ched/

5 Tips to Prevent Gum Disease If You Have Diabetes

credit.by; By Sue Cotey and Andrea Harris, RNs

Gum disease can throw your numbers off

photo;Cleveland Clinic

Gum disease – or gingivitis – has been called the fifth complication of diabetes behind heart, nerve, kidney and eye disease. Gingivitis is simply the inflammation of the gums around your teeth caused by plaque buildup.

So, why are you more at risk for developing gingivitis if you have diabetes?

Gum disease begins with bacteria build up on and around your teeth that extends into the gums.  There is no difference between the bacteria in the mouth of someone with diabetes compared to someone without diabetes. The reason gum disease is worse if you have diabetes is because you have a greaterinflammatory response to this bacteria.

More difficult to control blood sugars

If untreated, gum disease can lead to something called periodontitis, or an erosion of the bone, which can lead to loose teeth and damage to the gums. People with uncontrolled diabetes tend to get periodontitis more often than the average person or those who keep their diabetes under control.

Some signs that you have gum disease include red, swollen and/or bleeding gums, loose or sensitive teeth and persistent bad breath.

If a person with diabetes has moderately advanced periodontal disease, it can be more difficult for them to control their blood sugars. They may need deep cleaning, antibiotics or even oral surgery depending how advanced the gum disease is.

In 25 years of diabetes education, we have witnessed on multiple occasions that when people with diabetes see the dentist and address any current issues related to gum disease or inflammation, the blood glucose levels respond almost immediately.

5 tips to avoid gum disease

Follow these tips to steer clear of gum disease:

• Avoid acidic drinks like soda, energy drinks and water with lemon. These can erode the enamel of your teeth, which can lead to decay.
• Floss daily between each tooth, sliding up and down and back and forth gently to avoid bleeding.
• Brush your teeth and gum line for TWO full minutes, two times each day. Use a soft bristle brush using gentle strokes and make sure you reach all of your teeth. The goal is to get rid of plaque buildup. To do this, vibrate your brush across the tooth surface, the gum line and your gums.
• Remember to gently brush your tongue for a few seconds, too, to get rid of bacteria.
• See your dentist at least once a year and report any of the signs mentioned above immediately.

Other oral concerns:

• People with diabetes are also more likely to have a dry mouth due to elevated blood glucose or medications. To avoid dry mouth, you can chew sugar-free gum, use a mouth gel or eat some sugar-free candy to stimulate saliva production. If these don’t help, talk to your dentist for recommendations.
• Another popular thing these days is having shiny white teeth. Many are using over-the-counter teeth whiteners to achieve a whiter smile. The good news is that these products are mild enough to be used by people with diabetes too.

Source: The American Diabetes Association

Credit/Source: http://health.clevelandclinic.org/2015/05/5-tips-to-prevent-gum-disease-if-you-have-diabetes/?utm_campaign=cc+tweets&utm_medium=social&utm_source=twitter&utm_content=150505+gum+disease&dynid=twitter-_-cc+tweets-_-social-_-social-_-150505+gum+disease

10 Healthy Living Steps to Take Today

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