I think it's better to discuss with my family and get everything ready. You should start learning Japanese and get in touch with Japanese culture. Learn about studying in Japan. Your parents should know more about loans than you do. You'd better borrow some from your family and friends first. Re-loan the rest. As long as the guarantor is found, one of the parents is an on-the-job employee. Don't worry, landlord. If he speaks Japanese well after going to Japan, he can take care of his living expenses after three months. Loans are also a matter of tuition. So it's all on your own. Don't get too excited.