Town Information

GARAPA EnglishSpecialEdition
HigherEducation

Multicultural Cooperation Division, Oizumi Town Hall
Address: Oizumi-machi Hinode 55-1
Phone: 0276-63-3111(ext. 262)
Fax: 0276-63-3921 E-mail:tabunka@town.oizumi.gunma.jp
May 10th, 2022

Higher Education for Children and the Money [ 子どもの教育とお金の話]
If you want to raise your children in Japan or have them work in Japan in the future, you should consider
enrolling them in a Japanese high school or university to give them more options for their future. In order todo so, it is of course necessary for children to make their own efforts, but it is equally necessary for theirguardians to make appropriate preparations for them.
In this special edition of GARAPA, we will introduce the "money" involved in higher education in Japan. It
is difficult to prepare money in hurry when the time comes to go on to higher education. Let's think together
about what kind of preparations we need to make for our children's future.

Higher Education in Japan and its Cost ［日本の高等教育について］
For children who want to work in Japan in the future, going to high school or university is very importantfor their future.
On the other hand, it is said that the average amount of money needed for one child to attend schoolfrom the first year of high school to graduation from university is about 9.35 million yen, and if the school is
too far away and your child have to rent an apartment , you will have to pay more.

High School ［高等学校について］
From high school, you will have to pay an entrance fee and tuition to attend school. The amount of money
varies from school to school, but the cost is often greater at private schools than at public schools. In mostcases, even public schools are more expensive than junior high schools, so if you wish your child to go on tohigher education, you should start preparing as soon as possible.
Graduating from high school will not only qualify your child for university / college entrance examinations,but will also greatly increase his/her chances of finding a job, so if he/she is thinking of living in Japan for along time, he/she should aim to go to high school first.
Approximate cost of paying for high school per yearExpenditureTuition

Public High School

Private High School

0 Yen238,000 Yen

Reserve Fund for School Excursions, etc.

32,000 Yen

53,000 Yen

Student Council Fee, PTA Membership Fee

46,000 Yen

234,000 Yen

Textbooks, School Supplies

36,000 Yen

42,000 Yen

Club Activity Expenses, etc.

37,000 Yen

41,000 Yen

Commuting Expenses (Train Fare, etc.)

46,000 Yen

69,000 Yen

Uniform, Others

34,000 Yen

45,000 Yen

Total

231,000 Yen

722,000 Yen※ This is just a guideline. The cost varies from school to school, so please contact the school for details.
1University / College［大学について］
University / College is even more expensive than high school in terms of entrance fees and tuition.

If your child is going to live in Japan for a long time, he/she should consider going to university / college.
Graduating from college is not only a great way to get knowledge and educational history, but also a great
opportunity to find a job and expand personal relationships.
Approximate cost of paying for University
Classification

Facilities andEquipment Expense

TuitionEntrance Fee

TotalNationalUniversity

2.14 Million Yen

280,000 Yen

Some departments may
charge a facility fee.

2.42 Million Yen

Private University(Humanities/Arts)

3.14 Million Yen

220,000 Yen

600,000 Yen

3.97 Million Yen

Private University(Sciences)

4.42 Million Yen

250,000 Yen

740,000 Yen

5.41 Million Yen

Support for Higher Education ［高等教育の無償化について］
From April 2020, the national government has provided support for expenses related to universities, junior colleges,
technical colleges (4th and 5th grade), and vocational schools for students from households exempt from resident tax
and similar households.
Depending on the income of the household, students can receive support such as tuition reduction or exemption, orscholarships.

For more information, please contact the school your child attends.

Approximate annual income that can receive support and amount of support available
Approx. Annual Income(4 people household:Parents, Applicant (18 yearsold), junior high schoolstudent)

Approx. Annual Income(4 people household:Parents, Applicant (19~22years old), high schoolstudent)

Students
from households exempt
from resident tax~ 2.7 Million Yen~ 3 Million Yen

FullExpense

Students
from households
equivalent to thoseexempt from resident tax~ 3 Million Yen~ 4 Million Yen

2/3ofExpense~ 3.8 Million Yen~ 4.6 Million Yen1/3ofExpense

Eligible Student

AmountofSupport※ The amount of income that you can receive support depends on your family structure and age.
For more information, please check the website of Japan Student Services Organization.

2Approximate amount of tuition reduction and exemption (for Daytime Course)Classification

National and Public University
Entrance Fee

Tuition (Annual)

Private University
Entrance Fee

Tuition (Annual)

University

280,000 Yen

540,000 Yen

260,000 Yen

700,000 Yen

Junior colleges

170,000 Yen

390,000 Yen

250,000 Yen

620,000 Yen

Technical college

80,000 Yen

230,000 Yen

130,000 Yen

700,000 Yen

Vocational school

70,000 Yen

170,000 Yen

160,000 Yen

590,000 Yen

Scholarship (for Daytime Course and Night Course)

per Month

National and Public University
Classification

Student
living at home

Student
living away fromhome

Private University
Student
living at home

Student
living away fromhome

University
Junior colleges
Vocational school
Technical college

29,200 Yen(33,300 Yen)

66,700 Yen

38,300 Yen(42,500 Yen)

75,800 Yen

17,500 Yen(25,800 Yen)

34,200 Yen

26,700 Yen(35,000 Yen)

43,300 Yen※ The amounts in parentheses are applicable to those who live in public assistance households
and commute to school from home, and those who commute from orphanages.

Scholarships and Other Programs you should look into ［調べておくべき奨学金などの制度について］In Japan, there are various systems for borrowing money for higher education. By making good use of these systems,
it is possible to raise funds for higher education. However, whether or not you can use these systems depends on yourstatus of residence and other conditions, so please check carefully beforehand. Here are some of the most commonones.

National Education Loan ［国の教育ローンについて］
The Japan Finance Corporation provides loan to parents and guardians, and each child can borrow up to 3.5
million yen in one lump sum. Depending on the number of children, there is an upper limit to the annual incomeof the household that can use the loan, but if certain conditions are met, such as single-mother or single father
families, preferential interest rates and repayment periods may be available.

FAQ For National Education Loan ［国の教育ローンQ&A］
Q : What is the maximum loan amount?
A : Each child can borrow up to 3.5 million yen in one lump sum.
If your child falls under any of following cases, you can borrow up to 4.5 million yen.
: Commuting to school from outside the home, College (daytime school) for more than 5 years of study,
Graduate school, or Studying abroad (at a foreign educational institution for more than 3 months of study)
Q : How can I use the borrowed money?
A : 1. School fees such as entrance fee and tuition
2. Expenses incurred for entrance examinations
3. National pension premiums for students
4. Housing expenses such as apartment fees
5. Expenses for textbooks, study supplies, and computers
6. Commuting expenses such as commuter passes

Continued to the next page.

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［FAQ For National Education Loan］
Q : How can I pay back the borrowed money?
A : Fixed amount plus interest shall be paid back monthly.
Incremental repayments can be made twice a year in bonus months.
Interest-only payments may be made while in school.
Q : When can I apply?
A : You can apply online 24 hours a day, 7 days a week.
We recommend that you apply at least 2-3 months before you need the funds.
You can also cancel your application.
Q : What documents are required for application?
A : The following documents are required.
1. Loan application form (not required for online application)
2. Residence certificate (Listing the whole household)3. Gensen Choshuhyo ( Withholding Tax Slip ) or Final Tax Return
4. Identification Card
5. Bank book and receipts of rent, water, electricity, telephone bills, etc. for the past 6 months (2 types)
6. Letter of acceptance (for enrollment funds)
7. Student ID card (for school expenses)
8. Other necessary documents
Q : How to apply and how long it takes to be approved (National Education Loan)?
A ： On-line application in Japanese or English is available.
It takes approx. 10 days for the screening.
Japan Finance Corporation （https://www.jfc.go.jp）
Reception Hours: 9:00 - 21:00 (Monday~Friday), 9:00 - 17:00 (Saturday) TEL: 0570-008656

Shogakukin(Student Loan) ［奨学金について］
If a student's family does not have the financial means, tuition exemptions and loans (scholarships) areavailable for the student.
Japan Student Services Organization (JASSO) https://www.jasso.go.jp.index.html
JASSO offers two types of scholarships for students, one is scholarships (no repayment required) and the otherone is loan scholarships (repayment required).
Scholarships may or may not be interest bearing, and it is contingent on school performance and other factors.
A fixed amount of money is deposited monthly into the person's account as the scholarship.
Applications are often made through the school you are enrolled in, and the availability of the program depends
on the grades of the school, therefore, please consult with your school carefully.
Also, the money will eventually be paid back by the child on his or her own, so do not borrow too much morethan necessary. There are also other scholarships administered by private organizations.
Some of these programs do not require repayment, however, there are many conditions that must be met inorder to borrow money, so it is necessary to check carefully beforehand whether the program is available.
Other scholarships administered by private organization are available. There are other systems that do not
require repayment, but there are many conditions that must be met in order to borrow money, so you need tocheck carefully in advance to see if your child can use the system.

Tuition Exemption System ［授業料の免除制度について］Some high schools and universities have their own tuition waiver programs for students with excellent
academic performance and other factors. The conditions vary from school to school, and some schools do nothave a such system, so please contact the school in advance.

Gakushi Hoken (Educational Endowment Insurance) ［学資保険について］
The "Gakushi Hoken (Educational Endowment Insurance)" is a system that allows you to pay premiums andreceive a large sum of money when your child reaches a certain age. This insurance is not available at any time,
but can be purchased from the time the child is born until about the time the child enters primary school, so if
you want to take advantage of this insurance, you need to start planning and preparing early.
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