Thread:Hitsuji Mamoru/@comment-28209369-20170731190723/@comment-28209369-20170816095226

Well basically it's not loan that they give. They rarely collect back what they have paid unless they accidentally pay two mutually exclusive things at the same time, in which case one of them will be collected back. What they offer is simply support for those with income too low to survive.

Housing allowance to help pay the rent up to a certain point - but not the whole thing. Student allowances as the only income outside loans that students get. And the income support who anyone can plead for when they lack the monetary ability to eat for the month. For this you also have to provide your bank account activity so they can check that you haven't just spent your entire budget on something like FGO and that's why you're in trouble, but that you simply don't have enough income to make it. This is the one thing that never collides with anything else they pay and should never be collected back, yet now they have, forcing me to plead for it again to survive.

TL;DR:

No, they don't loan the money, they basically just give the money, but you have to prove you're in a difficult situation for reasons that you yourself have not caused with your spending. And for anything other than the income support, they have strict rules you have to fit in to receive the support chosen. They're also the main income source for students, sick people, unemployed and such, so that they receive at the very least the bare minimum to survive. Although I have to say, as a student I receive half as much as I did when I was unemployed, which is just another piece of bullcrap...