Borrow up to ¥1.2 million interest-free for high school or university entrance fees (the city pays the interest and guarantee fee)
Hamura City School Entrance Funds Loan Program / Hamura City
Hamura City School Entrance Funds Loan ProgramHamura CityTotal income ¥7,500,000 or less
Borrow up to ¥1.2 million interest-free for entrance fees
Entrance fee
Entrance preparation funds
The city fully subsidizes the interest and guarantee fee
The city arranges loans from financial institutions in the city for entrance fees and entrance preparation funds when entering high school, university, and similar, and subsidizes the full interest and guarantee fee. You can borrow up to ¥1,200,000 (entrance fee ¥1,000,000, entrance preparation funds ¥200,000), and repay the principal in equal monthly installments. Conditions include having lived in the city for 1 year or more and the parent's total income being ¥7,500,000 or less. First consult the Board of Education, Lifelong Learning General Affairs Division.
Nationality and residence status
The official page (checked in October 2026) sets no condition on nationality or residence status that we found. Eligibility follows the official conditions, not the language of this page; many programs require resident registration in the municipality.
Who is eligible
Parents of a child entering high school, university, or similar, who have lived in the city continuously for 1 year or more, have total income of ¥7,500,000 or less, have paid city taxes and similar in full, and can receive a guarantee from a guarantee institution
Notes
The basic repayment periods are 3 years (33 installments) for high school, 4 years (42 installments) for university, and 5 years (54 installments) for technical college. Participating financial institutions are JA Nishitama, Seibu Shinkin Bank, and Tama Shinkin Bank.