貸与型奨学金と金融教育の接点

―金融知識の格差と教育効果の検討―

抄録

 This study examines the intersection between student loans and financial education in Japan by focusing on the disparities in financial literacy and the effects of educational experiences. Amid rising university tuition and the reliance on student loans, financial literacy has become more important in long-term repayment planning. Using survey data from young adults, this study analyzes how household income, student loan usage, and financial education are associated with financial literacy.

 The study revealed three main findings. First, access to financial education varies according to household income and loan status. Second, financial literacy levels vary across income groups and between student loan users and no-users. Notably, low-income student loan recipients demonstrate relatively high literacy scores. Third, the effects of financial education differ according to income and loan status, with a synergistic effect observed between low- and middle-income loan users. Although causal relationships cannot be established, the results suggest that socioeconomic background shapes access to financial education and the formation of financial literacy. This study highlights the need for targeted and sustained financial education policies, particularly for economically disadvantaged borrowers.