Worried the budget won't stretch all the way to university

Planning education finances for the long term is hard, but it's doable with the right information.

What to know

1Total cost over 15 years (kindergarten through grade 12) can differ by several multiples between schools. Calculate it from the real tuition of the schools you're considering, not an average.
2Starting to save while your child is young reduces the pressure during upper secondary.
3Secondary-level scholarships are available to apply for at many schools, so don't wait until university.

Calculate the total cost over 15 years, not just the first year.
Ask the school about its fee escalation policy, meaning how many percent it rises each year.
Consider schools with a consistent scholarship program.
Plan together with a financial planner who specializes in education planning.

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Worried costs will outgrow your budget long-term

Education costs are one of the hardest expenses to plan for, because there's more hidden cost than what you see upfront.

Worried you'll choose wrong and have to transfer

Transferring schools isn't a failure. It happens more often than you'd think.

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