Part 6: Looking at the Data - The 'Aggressive' Education Funding Strategy of Smart People Who Use Loans to Their Advantage

Are you planning to liquidate assets you've worked hard to grow just to pay for tuition? That might be a very wasteful choice that throws away the future benefits of compound interest. What I put into practice was a reverse money strategy that dramatically reduces (or even turns into a gain) the burden of tuition by 'strategically' utilizing low-interest loans and keeping my cash on hand invested. How did I turn the massive hurdle of 30 million yen for medical school into an opportunity for asset formation? I will reveal the specific simulations and the professional mindset behind it.

I started looking into education loans around December, while my son was still a ronin student and before the main entrance exams began. Once I solidified the idea that 'using an education loan would allow me to create a manageable repayment plan,' I applied for pre-screening, clutching at straws.

If I didn't pass the screening here, I would have no choice but to look for another path. While I was waiting nervously for a response, I received a phone call from the bank representative.

The reason the wall of tuition costs suddenly became lower

During my interaction with the representative, several important facts came to light. First, tuition does not have to be borrowed in a lump sum; it can be borrowed in 'installments' each time by submitting the annual tuition payment certificate. I learned that this eliminates the need to bear the interest for all six years from the start, significantly reducing the total cost. Repayment is made in installments over 10 years starting from the seventh year, after graduation.

And when I told them that I had no major debts other than my mortgage, the representative said, 'In that case, it is likely that you will be able to borrow up to the full limit.'

At this point, I realized a surprising fact. By using the following method, I could not only extend the repayment period but also use the education loan with an aggressive stance. In fact, I might even be able to turn this heavy tuition burden into an 'opportunity for asset formation'...

The simulation results showed that I could reduce the monthly payment from the original 410,000 yen to 170,000 yen, and also reduce the total payment amount by more than 3 million yen.

Many people may have a negative image of the word 'debt.' However, this method is an extremely rational 'prescription' for our generation to protect our children's future and our own retirement simultaneously, even as we reach the culmination of our careers.

(*This article is intended to provide information based on personal experience and does not solicit any specific financial products. Due to the nature of the information, we do not accept returns or refunds, so please read the free section carefully before purchasing.)