Partnership Tuition Loan Program

Our university has partnered with multiple financial institutions to provide a collaborative tuition loan system for Japanese students that allows them to receive loans on more favorable terms than regular tuition loans when paying tuition fees. The loan terms of each partner financial institution are listed below, so if you would like to apply for a loan, please contact the relevant partner financial institution directly.
Please note that it may take several weeks from application to receipt of the loan, so please make sure to complete the procedure in time for your tuition payment deadline.

The contents may be subject to change.
For inquiries regarding this matter, please contact the Accounting Department of your university.

Sumitomo Mitsui Card Co., Ltd.

Product Details	C-Web Tuition Loan "C-Web Tuition Loan" is a tuition loan advance payment system in partnership with our school that can be used by applying online when paying school fees such as admission fees and tuition fees. The procedure can be completed quickly without visiting a branch.
Eligible users	Parents of students who are planning to enroll or are currently enrolled at Chiba University of Commerce (including graduate school) who have a stable income or the students themselves (employed only)
Usage limit	Between 40,000 yen and 5 million yen *The amount used per transaction will be the amount stated on the payment slip.
Repayment period	6 months to 10 years (excluding the maximum 48-month principal grace period)
Repayment interest rate	Effective annual rate 2.5% (fixed fee)
Repayment Method	Principal and interest equal installments You can choose from 6 to 120 payments and pay the principal and fees every month. ※Bonus can be added Fixed installment payment During your time at university, you can defer your principal payments for up to 48 months and pay only the installment fees. After the period ends, payment will be made as described above in 1.
Payment Method	Automatic transfer from private financial institutions (including Japan Post Bank)
Depositing tuition fees	The payment will be made via direct transfer from Sumitomo Mitsui Card Co., Ltd. (formerly SMBC Finance Services Co., Ltd.) to the school's designated account.
Payment date	The 26th of each month (or the next business day if that is a bank holiday)
Required Documents	In principle, not required
Contact	Customer Center Phone number: 050-3827-0375 Reception hours: 10:00-17:00 Online application C-Web Tuition Loan *Clicking the above will take you to the Sumitomo Mitsui Card Co., Ltd. website. *Payment methods available are equal principal and interest installments and fixed installment payments.

Jacks

Product Details	This is a tuition payment advance system in partnership with our school that allows you to complete the application process for school fees such as admission fees and tuition via the web or by mail (no need to visit the school).
Eligible users	Parents of students enrolled at Chiba University of Commerce (including graduate school) who have a stable income
Usage limit	In principle, 200,000 to 5 million yen *The amount used per transaction will be the amount stated on the payment slip.
Repayment period	From 6 months to a maximum of 15 years (including the principal grace period)
Repayment interest rate	Annual interest rate 2.5% (fixed interest rate)
Repayment Method	Principal and interest equal installments (bonus can be used in combination) Deferred principal repayment *If a principal grace period is set, only the installment fee will be paid during the grace period. (Maximum grace period 60 months = 6 months before enrollment + period of enrollment + 6 months after graduation)
Payment Method	Automatic transfer from private financial institutions (including Japan Post Bank)
Depositing tuition fees	The payment will be transferred directly from JACCS to the school's designated account.
Payment date	The 27th of each month (or the next business day if that is a bank holiday)
Required Documents	Copy of payment slip A copy of your acceptance letter or student ID *1 and 2 are not required in the case of a pre-screening
Contact	JACCS Consumer Desk Phone number: 0120-338-817 Reception hours: 10:00-19:00 (weekdays, Saturdays, Sundays, and holidays) Online application Educational Loan Clicking the link above will take you to the JACCS website. Application by mail Please call the Consumer Desk. After discussing the payment method, we will process your education loan application by mail.

Orient Corporation

Product Details	Tuition Support Plan The "Tuition Support Plan" is a tuition payment advance system in partnership with our school that allows you to pay for school fees such as admission fees and tuition fees by applying online or by mail (no need to visit the school). *When making additional payments, all previous payments can be combined into one repayment.
Eligible users	Parents of students enrolled at Chiba University of Commerce (including graduate school) who have a stable income
Usage limit	100,000 yen to 5 million yen *The amount used per transaction will be the amount stated on the payment slip.
Repayment period	Depending on the amount used, up to 11 years and 8 months (including a principal freeze period (maximum 4 years))
Repayment interest rate	Annual interest rate 3.0% (fixed interest rate)
Repayment Method	Monthly designated payment method You can choose from the following three repayment methods: Regular repayment This plan allows you to pay the principal and installment fees while you are still a student. Step-up repayment During your time as a student, you will only be required to pay installment fees, and after you graduate, you will be required to pay the regular repayment amount. Parent-child relay repayment Under this plan, parents or guardians make repayments during the student's time at school, and the student takes over after graduation.
Payment Method	Automatic transfer from private financial institutions (including Japan Post Bank)
Depositing tuition fees	The money will be transferred directly from Orient Corporation to the school's designated account.
Payment date	The 27th of each month (or the next business day if that is a bank holiday)
Required Documents	Copy of student ID and payment slip
Contact	Orico Tuition Support Desk Online application Tuition Support Plan *Clicking the above will take you to the Orient Corporation website. Application by mail Phone: 0120-517-325 Reception hours: 9:30-17:30