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[null,"これであなたもひとり立ち"]
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[null,null,null,null,null,null,null,null,null,null,null,"©金融広報中央委員会2023"]
[null,null,null,null,null,null,null,null,null,null,null,"授業での使用を除き、無断転載を禁じます。"]

{"sheet":"ｼﾐｭﾚｰｼｮﾝ","index":1,"n_rows":40,"n_cols":12,"rows_kept":40,"cut":false,"hidden":false,"merged":[[6,10,6,11],[16,10,16,11],[36,4,36,5],[37,1,37,2],[37,4,37,5],[18,4,18,5],[11,4,11,5],[12,4,12,5],[13,4,13,5],[14,4,14,5],[15,4,15,5],[17,4,17,5],[38,4,38,5],[39,4,39,5],[35,4,35,5],[19,4,19,5],[20,4,20,5],[21,4,21,5],[22,4,22,5],[23,4,23,5],[24,4,24,5],[25,4,25,5],[26,4,26,5],[28,4,28,5],[29,4,32,4],[33,4,33,5],[1,0,1,1],[5,4,5,5],[7,1,7,2],[7,4,7,5],[9,4,9,5],[5,1,5,3]]}
[]
["ワーク５",null,null,"Let's try     収支の合った楽しい生活"]
[]
[]
[]
[null,"項目",null,null,"内訳",null,"学生","社会人"]
[null,null,null,null,null,null,null,null,null,null,"学生"]
[null,null,null,null,"預金引き出し等"]
[null,null,null,null,null,null,null,null,null,null,"収入合計Ａ",{"$f":"$G$16","v":0}]
[null,null,null,null,"ボーナス等",null,null,null,null,null,"可処分所得（Ａ－Ｃ）",{"$f":"G16-G34","v":0}]
[null,null,null,null,null,null,null,null,null,null,"消費支出限度額（A-C-D)",{"$f":"G16-G34-G40","v":0}]
[null,null,null,null,"①給料",null,null,null,null,null,"消費支出合計",{"$f":"G27","v":0}]
[null,"実収入",null,null,"②仕送り",null,null,null,null,null,"支出合計（Ｂ＋Ｃ＋Ｄ）",{"$f":"G27+G34+G40","v":0}]
[null,null,null,null,"③アルバイト",null,null,null,null,null,"収支",{"$f":"L9-L13","v":0}]
[null,null,null,null,"④奨学金"]
[null,null,null,null,"合計Ａ",null,{"$f":"G13+G14+G15","v":0},{"$f":"H12","v":0}]
[null,null,null,null,null,null,null,null,null,null,"社会人"]
[null,null,null,null,"⑤食費"]
[null,null,null,null,"⑥住居費",null,null,null,null,null,"収入合計Ａ",{"$f":"$H$16","v":0}]
[null,null,null,null,"⑦光熱水道費",null,null,null,null,null,"可処分所得（Ａ－Ｃ）",{"$f":"H16-H34","v":0}]
[null,null,null,null,"⑧家具家事用品費",null,null,null,null,null,"消費支出限度額（A-C-D)",{"$f":"H16-H34-H40","v":0}]
[null,null,null,null,"⑨被服履物費",null,null,null,null,null,"消費支出合計",{"$f":"H27","v":0}]
[null,null,null,null,"⑩保健医療費",null,null,null,null,null,"支出合計(Ｂ＋Ｃ＋Ｄ)",{"$f":"H27+H34+H40","v":0}]
[null,null,null,null,"⑪交通通信費",null,null,null,null,null,"収支",{"$f":"L19-L23","v":0}]
[null,null,"学生",null,"⑫教養娯楽費",null,null,null,null,"社会人"]
[null,null,"消費支出限度額は",null,"⑬その他",null,null,null,null,"消費支出限度額は"]
[null,null,{"$f":"L11","v":0},null,"合計Ｂ",null,{"$f":"G18+G19+G20+G21+G22+G23+G24+G25+G26","v":0},{"$f":"H18+H19+H20+H21+H22+H23+H24+H25+H26","v":0},null,{"$f":"L21","v":0}]
[]
[null,null,null,null,"⑭所得税"]
[null,null,null,null,"社会保険","⑮国民年金"]
[null,null,null,null,null,"⑯厚生年金"]
[null,null,null,null,null,"⑰健康保険"]
[null,null,null,null,null,"⑱雇用保険"]
[null,null,null,null,"合計Ｃ",null,{"$f":"G30","v":0},{"$f":"H29+H31+H32+H33","v":0}]
[]
[null,null,null,null,"⑲預貯金"]
[null,null,null,null,"⑳任意保険料"]
[null,null,null,null,"㉑クレジット"]
[null,null,null,null,"㉒奨学金返済"]
[null,null,null,null,"合計Ｄ",null,{"$f":"G36+G37+G38","v":0},{"$f":"H36+H37+H38+H39","v":0}]

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{"sheet":"資料","index":3,"n_rows":20,"n_cols":34,"rows_kept":20,"cut":false,"hidden":false,"merged":[[2,23,2,26],[3,23,6,23],[3,28,3,29],[7,23,10,23],[1,19,1,20],[1,2,2,2],[1,17,1,18],[1,3,2,3],[1,4,2,4],[1,5,2,5],[1,7,2,7],[1,8,2,8],[1,9,2,9],[1,10,2,10],[1,11,2,11],[1,13,2,13],[1,14,2,14],[1,6,2,6],[1,12,2,12]]}
[null,null,"ひとり暮らしの生活費（１カ月平均、自宅外生＜寮生除く＞）",null,null,null,null,null,null,null,null,null,null,null,"単位（円）",null,null,"自宅生の１カ月の生活費",null,null,"単位（円）",null,null,"奨学金","日本学生支援機構"]
[null,null,null,"全国","北海道","東北","1都3県","北甲","東海","北陸","京都","阪神","京阪神","中国四国","九州",null,null,"収　　入",null,"支　出",null,null,null,"（１）奨学金の種類と貸与月額",null,null,null,null,"（２）奨学金の返還"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"合計",{"$f":"SUM(S4:S7)","v":63630},"合計",{"$f":"SUM(U4:U13)","v":62970},null,null,"貸与月額",null,null,null,null,"＜返還例＞  ","第一種奨学金（無利息）－大学学部で貸与（48か月）を受けた場合"]
[null,null,"仕送り",71880,61930,58590,85630,63810,63790,62710,71720,65970,70330,60120,58770,null,null,"小遣い",10370,"食費",10540,null,null,"第一種奨学金\n＜最高月額＞\n（無利息）","区分","自宅通学生","自宅外通学生",null,"区分   ",null,"貸与月額   ","貸与総額","返還月額","返還回数（年数）"]
[null,null,"奨学金",20380,24760,29040,20980,26580,17110,21010,17540,23030,18870,21700,24500,null,null,"奨学金",10240,"住居費",590,null,null,null,"国公立の大学・短大・専門学校","45,000円","51,000円",null,"国・公立","自宅","45,000円","2,160,000円","12,857円","168回(14年)"]
[null,null,"アルバイト",29130,29610,23280,33080,23790,34610,30110,30910,33520,31540,30680,29640,null,null,"アルバイト",39860,"交通費",7990,null,null,null,"私立大学","54,000円","64,000円",null,null,"自宅外","51,000円","2,448,000円","13,600円","180回(15年)"]
[null,null,"定職＋その他",{"$f":"450+3450","v":3900},{"$f":"2490+3590","v":6080},{"$f":"450+3410","v":3860},{"$f":"910+3300","v":4210},{"$f":"2640","v":2640},{"$f":"350+4040","v":4390},{"$f":"140+3390","v":3530},{"$f":"780+3650","v":4430},{"$f":"310+2470","v":2780},{"$f":"670+3370","v":4040},{"$f":"390+3210","v":3600},{"$f":"450+5060","v":5510},null,null,"定職＋その他",3160,"教養娯楽費",11940,null,null,null,"私立短大・専門学校","53,000円","60,000円",null,"私立","自宅","54,000円","2,592,000円","14,400円","180回(15年)"]
[null,null,"収入合計",125280,{"$f":"SUM(E4:E7)","v":122380},114760,143900,116820,119900,117360,124600,{"$f":"SUM(L4:L7)","v":125300},124770,{"$f":"SUM(N4:N7)","v":116100},118430,null,null,null,null,"書籍費",1680,null,null,"第二種奨学金\n（年3％を上限と\n　する利息付）","2万円～12万円の間で選択できる（1万円単位）。",null,null,null,null,"自宅外","64,000円","3,072,000円","14,222円","216回(18年)"]
[null,null,"食費",24680,22680,22330,27430,24180,23050,24100,24620,24770,24650,22640,24090,null,null,null,null,"勉学費",1570,null,null,null,"私立大の医・歯・薬・獣医学部課程で12万円を選択した場合に限り、"]
[null,null,"住居費",53920,48830,48280,66170,48590,49000,48160,54260,51670,53640,47560,47690,null,null,null,null,"日常費",6270,null,null,null,"希望により医・歯学部課程4万円、薬・獣医学部課程2万円を増額",null,null,null,"＜返還例＞  ","第二種奨学金（利息付）－大学学部で貸与（48か月）を受けた場合"]
[null,null,"交通費",3850,2910,2280,6120,3350,3310,3620,4080,4300,4130,2430,3720,null,null,null,null,"電話代",1470,null,null,null,"することができる。",null,null,null,"貸与月額   ","貸与総額   ","年利","返還予定総額","返還月額","返還回数（年数）"]
[null,null,"教養娯楽費",11760,10640,9930,13460,12070,11990,10530,11320,12730,11660,10690,11680,null,null,null,null,"その他",2070,null,null,null,"日本学生支援機構「2022年度 貸与奨学生のしおり」をもとに作成",null,null,null,"30,000円","1,440,000円","3.0%の場合","1,761,917円","11,293円","156回（13年）"]
[null,null,"書籍費",1700,1690,1640,2190,990,1640,1250,1710,1100,1560,1370,1480,null,null,null,null,"貯金・繰越し",18850,null,null,"＊学力基準・年収・所得の上限額があるので、詳しくは日本学生支援機構のホームページを参照",null,null,null,null,"50,000円","2,400,000円","3.0%の場合","3,018,568円","16,769円","180回（15年）"]
[null,null,"勉学費",1900,2010,1910,1910,2950,1820,1930,1900,1970,1920,2070,1990,null,null,null,null,null,null,null,null,null,null,null,null,null,"80,000円","3,840,000円","3.0%の場合","5,167,586円","21,531円"," 240回（20年）"]
[null,null,"日常費",7520,7640,7190,8080,7940,7700,7580,7680,7720,7690,7850,7850,null,null,"出所：全国大学生活協同組合連合会",null,null,null,null,null,null,null,null,null,null,"100,000円","4,800,000円","3.0%の場合","6,459,510円","26,914円","240回（20年）"]
[null,null,"電話代",3110,3350,3320,3800,2530,3090,3170,3150,3600,3260,3390,2870,null,null,"「CAMPUS LIFE DATA 2021」（2022年3月）より作成",null,null,null,null,null,null,null,null,null,null,"120,000円","5,760,000円","3.0%の場合","7,751,445円","32,297円","240回（20年）"]
[null,null,"その他",2310,2540,2260,2520,2270,1920,2260,2200,2620,2300,2700,2020,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"日本学生支援機構「2022年度 貸与奨学生のしおり」をもとに作成"]
[null,null,"貯金・繰越",14300,19310,15360,11380,10520,16870,13760,13540,14550,13780,14810,16210,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"※第二種奨学金の年利率は上限が3%。ここではその上限を使って返還額を試算した。"]
[null,null,"合計",125040,121580,114500,143050,115390,{"$f":"SUM(I9:I18)+10","v":120400},116350,124460,125040,124600,115510,119590]
[null,null,"出所：全国大学生活協同組合連合会「CAMPUS LIFE DATA 2021」（2022年3月）より作成"]