FY2024

Reserved Scholarship (Scholarship Loan) Application Guidance

Public Interest Incorporated Foundation

Oosakafu Ikueikai

6-20 Amijima-cho, Miyakojima-ku, Osaka 534-0026
Osaka Shigaku Kaikan 2F

For inquiries, contact
Scholarship Loan Division
TEL
06 - 6357 - 6272
FAX
06 - 6358 - 3053

Office hours: 9:00 am - 5:30 pm on weekdays

Please also visit our website

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Oosakafu Ikueikai(Note) Please make sure to dial the correct phone number.

Program outline

This program is designed to allow scholarship loan reservations for students who wish to attend high schoolor other institutions with strong academic drives but face financial difficulties pursuing their studies.
The scholarship from Oosakafu Ikueikai (Osaka Prefecture’s scholarship society) is interest-free.

2Types of scholarships

・ Enrollment incremental scholarship loan
The enrollment incremental scholarship loan is provided before enrollment in high school or similar
institutions (excluding the latter term of secondary education school). It is intended to cover necessary
expenses at admission.
・ Scholarship loan
The scholarship loan is provided during schooling to cover tuition and other expenses necessary foreducation at high school or similar institutions.
**Enrollment incremental scholarship loan applications will be accepted only during the current
application period.**Those who have financial concerns about proceeding to high school or similar institutions arestrongly encouraged to apply in this round. (Applicants can withdraw anytime if the loan needs
to change after the application.)

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Applicant qualifications

１. The applicant must be a student who intends to enroll in any of the following schools in April 2024, in
accordance with the School Education Act.
(1) High schools (including the latter term of secondary education schools and the high school sectionof special-needs schools) and colleges of technology(2) Upper secondary courses at specialized training schools (however, only for courses with a minimum
study period of one year)
Note) Students in the latter term of a secondary education school are not eligible for the Enrollment
Incremental Scholarship Loan.
２. The applicant’s guardian (such as the father or mother) must reside in Osaka Prefecture.
The term “guardian” refers to a person who exercises parental authority or acts as a legal guardian for aminor, according to the Civil Code. If there is no guardian, the term applies to someone who supports thelivelihood of students who seek higher education and is responsible for their educational costs.
The following residence qualifications are required for an application from a guardian of foreign nationality.
[Resident status] Permanent resident
 Spouse of Japanese national, etc.
 Spouse of permanent resident, etc.
 Long-term resident (*)(*) Long-term residents are not eligible to apply unless they intend to reside in Japan permanently
in the future.
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For guardians (such as father or mother), the income assessment amount calculated using the following
formula must meet the specified criteria:(*The combined amount of the guardian’s income based on the 2023 residential tax basis amount)[Formula]
Municipal income tax basis amount × 6% - Municipal income tax adjustment deduction = Income
assessment amount* If the guardian pays municipal tax in a government-designated city, the adjustment deduction amountwill be multiplied by 3/4.

(*Refer to the back of Application Form A for instructions on confirming the tax basis amount andadjustment deduction amount.)
High school, etc., to which Income assessment
Annual income
Typethe applicant is to enteramountstandard (*)
Enrollment incremental
Public/Private
Less than ¥154,500
Less than ¥5,900,000
scholarship loan
PublicLess than ¥251,100
Less than ¥8,000,000
Scholarship loan
PrivateLess than ¥347,100 Less than ¥10,000,000(*) The annual income standard refers to a situation either one of the guardians is working, and the family
consists of four members, including two children (one aged 16 to under 19 and one under 16 years old).
*1.

*2.
*3.
*4.

For those who fall under the categories specified in Article 295, Paragraph 1 of the Local Tax Act orthose who cannot be subject to the municipal tax on income as per Paragraph 4, Article 3-3 of the
Supplementary Provisions of the same Act, the amount calculated based on the formula will beconsidered zero.
The tax basis amount refers to the amount used as the basis for calculating the income tax portion ofmunicipal and prefectural taxes.
Adjustment deduction refers to the deduction made to adjust the burden arising from the difference
between individual municipal tax and personal deductions due to the transfer of tax revenue from thenational government to local governments in 2007.
The tax basis amount and other information can also be checked through the online service
Mynaportal operated by the government.

Loan limit

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Enrollment Incremental Scholarship Loan (Choose the desired amount within the following range, inunits of 10,000 yen)High school, etc., to(Correspondence
which the applicant
Loan Limitcourse)
is to enter
Public¥50,000(¥50,000)*Private correspondence courses differ inPrivate¥250,000(¥150,000)
loan limit.



Scholarship Loan (Choose the desired amount within the following range; if less than the maximum
limit is requested, loans will be provided in increments of 10,000 yen)High school, etc., toIncome
Annual income
which the applicantassessment
Loan limit (annual amount)standard
is to enteramountActual tuition to be borne (*1) + 100,000
PublicLess thanLess thanyen for other educational expenses
Private¥251,100¥8,000,000(The limit is 100,000 yen if the actual tuition to bePrivate

(*1)
(*2)

¥251,100 or overLess than¥347,100¥8,000,000 or
overLess than¥10,000,000

borne (*1) is zero.)

Actual tuition to be borne (*1)
(Note) Up to 240,000 yen (*2)

The actual tuition to be borne refers to the tuition burden after deducting the government’s financial aid for school
attendance, Osaka Prefecture’s tuition support subsidy, and any school-specific tuition reductions or exemptions
from the annual tuition amount for each school.
If the actual tuition to be borne is less than 240,000 yen, that amount will be the maximum limit.
For a household supporting two or more children, including a student attending a private high school in theprefecture, and having an income assessment amount (combined income of guardians) of 251,100 yen or more,
the loan limit may differ, or the applicant may become ineligible for the loan if the student receives Osaka-2-

Prefecture’s tuition support subsidy. (For more details, see [Appendix])(Note) There may be a case where the student is enrolled in a school promoting support for private high school students
in Osaka Prefecture. In that case, the loan amount will be calculated based on one dependent child until the numberof dependent children is confirmed through status checks on the tuition support subsidy application.
As a result, loan overdrafts may occur. The excess loan amount must be returned.

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Application procedure
See [Appendix] for details on the process from application to loan.

① Reserved scholarship application form
② Proof of guardian’s income(Please refer to the samples on the reverse sides of Application Form C andApplication Form A before submitting the forms.)
Requireddocuments

Filing period
Where to submit

6③ Residence certificate for the student and guardian(Please check the note, “[Important] Notes on Submission of Residence Certificate”
on the reverse side of Application Form C before submitting the form.)④ Photocopy of the student’s passbook or cash card, etc.
(Please refer to Application Form B and the sample on its reverse side before
submitting the form.)* Incomplete or incorrect documents will not be accepted!
* If the address on the application form differs from the address on theresidence certificate, a statement of circumstances must be submitted!
The deadline designated by the applicant’s current (or former) junior high school(be sure to follow the deadline)[School submission deadline:(month and date)]
The applicant’s current (or former) junior high school

Determination on prospective loan recipient

The loan acceptance/rejection decision will be notified to the applicant (the student) through the school
principal in early December.
The accepted applicant (hereafter referred to as the “prospective loan recipient”) will be issued Oosakafu
Ikueikai’s Notice of Prospective Loan Recipient Determination for Reserved Scholarship through the school
principal.

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Issuance of documents for loan procedures

Loan documents, including the loan certificate, will be delivered to the prospective loan recipient through theschool in late January 2024.
(*Please remember when to receive the documents, including the certificate and be sure to obtain them fromthe school.)

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Loan application process

The following procedures are required to receive a loan. If the applicant does not complete the procedures
within the submission period, the applicant will be considered to have declined the loan. (The applicant will
not be eligible for a loan.)
The applicant must apply for both the enrollment incremental and scholarship loans. It is not possible toreceive both loans through one of the two procedures.
The applicant will be informed of the procedures in detail when the loan documents are issued.
 Enrollment incremental scholarship loan
(1) Where to submit
Scholarship Loan Division, Oosakafu Ikueikai (Public Interest IncorporatedFoundation)(2) Submission
Please apply by mail (e.g., acceptance-recorded mail) to Oosakafu Ikueikai.
method(Please do not use regular mail or mailbox delivery service; these are importantdocuments.)(3) Submission period Within the following period (after the school to be admitted is confirmed)-3-

Application type (*)
Single-choice application (private)
Concurrent enrollment application (private and public)
PublicSubmission period
From Monday, February 5, and no later thanFriday, February 23, 2024
From Monday, February 26, and no later
than Friday, March 29, 2024(*) The application type will be determined by the application method that the prospective loan recipient hasapplied to their school.

Note) No loan can be granted after enrollment. Be sure to complete the procedures within thesubmission period.
(4) Required① Enrollment Incremental Scholarship Loan Certificate
documents② Certificate of Seal Registration of joint guarantor (guardian) (Must be an
original issued within three months prior to the submission date to Oosakafu
Ikueikai.)③ A document certifying the applicant’s admission (e.g., a copy of thecertificate of admission)(5) Points to note
If the applicant does not enter the school to attend as indicated on theEnrollment Incremental Scholarship Loan Certificate, the loan must be returnedin a lump sum.
 Scholarship loan
(1) Where to submit(2) Submission method

High school, etc., to which the applicant is to enter
By hand or the method designated by the high school, etc., to which theapplicant is to enter(3) Submission period
By early April 2024 (by the deadline designated by the high school, etc., to which
the applicant is to enter)(4) Required documents ① Notification of Acceptance② Scholarship Loan Certificate③ Certificate of Seal Registration of joint guarantor (guardian) (Must be an
original issued within three months prior to the submission date to Oosakafu
Ikueikai.)

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Loan period
Enrollment incremental scholarship loan
The loan will be provided before the student enrolls, provided that the school to which the applicant isto enter is confirmed.
* We will examine the submitted documents and process the fund transfer within approximately 10 days
after completing the examination.
Scholarship loan
The following loan is available while the student is enrolled in high school, etc.
Loan period
1st time
2nd time
3rd time
Loan date
May 30
October 11January 30
 Loans will be made through a bank transfer.
 If the loan date falls on a non-business day of the financial institution, the transfer will be made on
the next business day.
 The second or third loan may be available depending on the loan amount.
 In principle, the maximum loan amount per time is 100,000 yen for public institutions and 200,000
yen for private institutions.
 The loan period is the minimum required study period at the enrolled school.

Loan
Scholarship funds will be transferred to the applicant’s bank account.
Eligibility as a scholarship recipient will be verified through the school in April of each year.
Based on the verification result, the scholarship funds may be suspended or discontinued.
Each fiscal year, the income status of the guardian is checked to determine the maximum loan amountfor the current fiscal year. Upon confirmation, the scholarship funds may be suspended or discontinued.
In addition, if the income status check results in a loan overage, the excess loan amount must be returned.
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The amount of the scholarship loan (annual amount) may be adjusted in the event of a change in theamount of schooling or other financial aid.
If a change in the amount of schooling aid or similar financial aid results in a loan overage, the excess
loan amount must be returned.
If the student is found to be delinquent in paying tuition fees or using scholarship funds for other purposes,
the scholarship funds may be suspended or discontinued.

Notification of change

After enrollment, students are required to notify Oosakafu Ikueikai through the school of any change in thestudent’s enrollment status, such as retention, leave of absence, withdrawal, transfer, change of guarantor, or
any amendments (changes) to the notifiable information.
Failure to notify us of any amendments (changes) may result in suspension or discontinuation of thescholarship loan.

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Notice of total loan amountFor the scholarship recipient who has received the scholarship loan, when the scholarship loan has ended or
has been discontinued, the recipient will be notified of the total loaned amount and the loan period throughthe school principal.
Upon receiving the notification, the student must immediately submit a return account application form toOosakafu Ikueikai through the school principal.

13Repayment of scholarship funds

The scholarship is a loan. The loan must be repaid after graduation (once the loan period is over).
Be sure to repay the loan, as the returned funds will be used to provide scholarships for future students.
1. The repayment of the scholarship funds begins six months after the student’s graduation, and thespecified amount should be transferred from the borrower’s (the student’s) savings account.
* The loan may be terminated for reasons other than graduation by submitting a notice of withdrawal orother status change between January 1 and May 31. In that case, the repayment will begin in October ofthe same year. If the loan is terminated on June 1 or later, the repayment will begin in October of thefollowing year.
2. In principle, the loan must be repaid in monthly installments. The monthly repayment amount depends
on the total amount of the loan. (See “Example of Scholarship Return” in [Appendix].)
3. If it becomes difficult to repay the loan as promised due to financial or other reasons, please be sure tocontact Oosakafu Ikueikai. If the delinquency continues without communication, a delinquency charge of
8.9% per annum will be imposed on the overdue amount, depending on the duration of the delinquency.
If the recipient has the financial resources to repay the loan but fails to do so, this institution may have nochoice but to take legal measures, such as compulsory execution.

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Purpose of use of personal information, etc.
In handling personal information, we will take necessary measures to ensure careful and appropriate
management to protect individual rights and interests and provide proper supervision.
Personal information such as the recipient’s name, address, joint guarantor’s seal registration certificate,income status, savings account, and account name will be used for scholarship selection, fund transfer,and repayment administration.
The borrower may fail to report changes in their address or that of the joint guarantor during the repayment
period, making it impossible to send billing notices. In that case, this institution will request a certificate
of residence from the local municipality through Osaka Prefecture and conduct an address verification
investigation.

Precautions
If it is discovered that there has been a false application or any misrepresentation after the scholarship
loan decision has been made, the loan decision may be revoked.
If it is discovered that the loan has been used inappropriately, the full amount must be repaid in a lumpsum.
Please note that application documents will not be returned under any circumstances.
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If there are any changes to the school support fund system or similar programs, this scholarship loan
program may also be subject to change accordingly.

 Please visit Oosakafu Ikueikai’s website for announcements and the latest information. ★ We have introduced a scholarship repayment support system (proxy repaymentsystem)!!
For an overview of the system, please visit Oosakafu Ikueikai’s website!

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