[jasonbvr]

Japanese carry money everywhere because, at least outside of major cities, there are very few places that accept credit/debit cards. Another thing is that banks are never open. (Again, outside of major cities) They open at like 10 am then close at 3 pm. And I thought banks in the US were bad when they couldn't stay open on the weekends.

On the issue of getting a student loan, chances are slim. It is hard enough for a foreigner to get a cell phone and lease a car. You should try the loans offered by like Bank of America or Citibank that allow the money to be used on just about anything. Of course if you are just out of high school, you are going to need a cosigner with good credit.