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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,"©金融経済教育推進機構2024"]
[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":[[1,0,1,1],[5,4,5,5],[7,1,7,2],[7,4,7,5],[9,4,9,5],[5,1,5,3],[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],[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]]}
[]
["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":33,"rows_kept":20,"cut":false,"hidden":false,"merged":[[1,2,2,2],[1,16,1,17],[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],[1,12,2,12],[1,13,2,13],[1,6,2,6],[2,22,2,25],[3,22,6,22],[3,27,3,28],[7,22,10,22],[1,18,1,19]]}
[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,"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","京都","北陸","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,"合計",{"$f":"SUM(R4:R7)","v":64350},"合計",{"$f":"SUM(T4:T13)","v":63580},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",67650,55370,57650,82630,51960,63110,68850,61910,70800,52400,60470,null,null,"小遣い",10980,"食費",11390,null,null,"第一種奨学金\n＜最高月額＞\n（無利息）","区分","自宅通学者","自宅外通学者",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",20640,26670,27990,17340,29300,18790,19150,17560,18270,25580,22890,null,null,"奨学金",10220,"住居費",330,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",32340,32850,25770,35690,31030,34270,34830,36110,36360,32510,33600,null,null,"アルバイト",40910,"交通費",9340,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",3670,3950,4610,6670,2390,3920,3550,3250,3030,3930,3290,null,null,"定職＋その他",2240,"教養娯楽費",13410,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",124290,118830,116030,142340,{"$f":"SUM(H4:H7)","v":114680},120090,126380,118830,128460,114420,120250,null,null,null,null,"書籍費",1520,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",24130,22250,22320,26350,20430,22620,24600,23580,24400,21940,23430,null,null,null,null,"勉学費",1290,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",53020,47000,48650,64380,47820,49780,53780,47630,54030,45860,49620,null,null,null,null,"日常費",5720,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",4210,3360,2840,6310,3620,3870,4760,3400,5720,2280,4220,null,null,null,null,"電話代",1710,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",13270,12100,10740,13550,11950,12960,13760,12540,13300,12020,12510,null,null,null,null,"その他",1920,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",1540,1530,1590,1730,1160,1470,1730,1510,1510,1290,1440,null,null,null,null,"貯金・繰越し",16950,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",1430,1210,1640,1610,1850,1430,1350,1520,1270,1410,1670,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",7430,7370,7680,7870,7490,7140,7510,7250,7740,7700,7480,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",3460,3630,3780,4380,3280,3310,3570,3820,3450,3860,3500,null,null,"「CAMPUS LIFE DATA 2022」（2023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",2170,2150,1940,2490,2350,1530,2090,2020,2480,2310,2060,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",12970,16690,13830,14370,15030,16320,12650,15030,14250,14310,13430,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",{"$f":"SUM(D9:D18)","v":123630},{"$f":"SUM(E9:E18)","v":117290},11530,143050,114980,120440,125800,118300,128150,112980,119360]
[null,null,"出所：全国大学生活協同組合連合会「CAMPUS LIFE DATA 2022」（2023年3月）より作成"]