日本学生支援機構によると、2012年から2016年度において、自己破産したため奨学金の債務が免責になった、あるいは保証債務が免責となった等の連絡があった件数は、返還者本人8,108件（うち保証機関分が475件）、連帯保証人5,499件、保証人1,731件。連帯保証人の破産5,499件のうち、返還者本人が破産していた件数は764件で、保証人の破産1,731件のうち、返還者本人及び連帯保証人が破産していた件数は96件だった。

　Of the 8,108 returnees, the number of new bankruptcies in FY2016 was 2,009, which is 410% of the total number of returnees (about 0.05 million).Of the cases where the guarantor went bankrupt, the number of cases where the returnee went bankrupt was 134, and the number of cases where the guarantor went bankrupt and the case where the returnee and the joint guarantor went bankrupt were 13.

　Although the Japan Student Services Organization cannot always grasp the direct reason why returnees lead to self-bankruptcy, the percentage of self-bankruptcy among scholarship returnees is 2016 cases of self-bankruptcy in Japan as a whole in 63,727 ( Compared to 20% of the 1.1 million people aged 0.06 and over), it is about the same level, and it is not particularly high.In addition, not only the person but also the guarantor and the guarantor will be a part of the number of cases of self-bankruptcy.

Reference: [Japan Student Services Organization] Report on self-bankruptcy of scholarship returnees