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Australian parents are going into debt just to be able to pay for the soaring costs of back-to-school items.

New data has revealed that one in three Aussie parents can’t afford back-to-school expenses this year, with some forking out almost $5000 per child for books, laptops and uniforms.

A Finder survey of 1,039 people has revealed that 30% of respondents can’t afford back-to-school expenses, with 11% admitting they’ve gone into debt to pay for the items.

A further 13% said they have to purchase second-hand items or hand-me-downs to get their children back to school, and four percent said their child will have to go without.

The analysis finding that parents are paying an average of $2,547 for each primary school child and $4,793 for secondary students just to get back to school. The research showed that just half of Australian parents can comfortably afford their children’s back-to-school costs.

School supplies

Mouths of Mums asked our audience how much they’re shelling out for the kids to get back to the classroom, with many having to hand over thousands of dollars amid the rising cost of living.

“Super painful hit this year. Stationery wasn’t too bad, around $150 for all three students because the school subsidises the books, but three children needed five pairs of shoes (formal for two and sport for three) and two required all new uniforms for starting different school and prep. I used $550 in prepaid visa cards my husband got for as bonuses over the past two years and it still cost me another $480 on top of that.” – Sarak Kirk

“Both my boys needed new uniforms and shoes… one a size 14! Then there were books and stationery lists… easy over $1200.” – Krisi Else

“My daughter is starting high school so lve spent $1280 on uniforms and books and have another $720 for the travel pass!” – Fiona Glenn

“Around $1500. About $1400 of which for starting fresh year 9 at a new public high school including new laptop. $100 for public primary grade 3 and no new uniform needed yet because I sized up last year. (edit: forgot to add name brand shoes and bags $250).” – Lauren Spilling

“I would say nearly $3.5k. 2 x devices plus all accessories, uniforms, book lists.” – Amanda Duff

It comes as NAB reveals a growing number of Australians are taking up No Interest Loans to help cover school expenses, with the bank expecting to support more than $640,000 in No Interest Loans loans for school expenses in February.

“With the cost of living continuing to rise, we expect to see more families on low incomes turn to a no interest loan to help them manage higher back-to-school costs,” NAB Head of Customer Vulnerability Mike Chambers said.

Finder is encouraging parents to seek help before getting into more financial difficulty.

“Shop around as there are big price differences between the different retailers,” said Sarah Megginson, personal finance expert at Finder.

:Also ask around on your local Facebook groups if anyone has any unwanted stationery and look into what grants and other assistance is available from your state or territory government to help with school expenses.

“Ask your child’s school whether they can provide financial assistance for compulsory items like uniforms, school excursion and school supplies. Some schools have funds set aside to cover these types of expenses for families in financial hardship.”

How much are you paying for your children’s back-to-school expenses? Let us know in the comments below. 

  • It is such a huge expense to get the kids kitted up for back to school. I feel for the 4% of children who will have to go without. To fork out $5,000 for laptops, books, uniform etc. is a huge burden for parents who are struggling with cost of living as it is.

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  • I have 6 children (4 currently at school) and it really is a massive cost for school supplies every year. We get by with reusing a lot of the supplies from the year before and uniform hand me downs as they all go to the same school. We are also at a state school which helps a lot.

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  • We only have one child so it doesn’t affect us as much, but for families with multiple children, I can see how it would be a really big struggle to pay for things. The cost of living is getting out of control, and the effects lead into depression and stress for the parents so that is also not good

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  • Its time we started taxing large corporations and mining companies. So many paid no tax last year, it is appalling.

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  • Wonder when the cost of living will stop rising

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  • The struggle is real, especially for larger families such as mine. School fees, uniforms supplies and books. Crazy expensive!

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  • As a parent of 4 kids, a hubby and all the while supporting them all on a part time wage I understand the struggle. We end up buying the books and going without in other areas. Takes a long time to get them paid off.

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  • It’s so hard especially for families already doing it tough. Visit your local op shops or marketplace for uniforms. For those in dire needs, talk to your school chaplain. Often they have school supplies donated.

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  • The cost of living is affecting everyone these days. My kids go to Catholic school so while we pay a lot in fees, lots of the extra things, including excursions are included. I go to the school and ask if they have any old uniforms that my kids could have before I buy new ones, that often saves me a bit of money.

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  • My daughter attends a Catholic primary school so our books and stationery are included in the school fees so the only thing we need to get are uniforms and they aren’t too bad. We have been lucky with being able to secure some second hand uniforms (everyone needs to join their schools buy swap and sell fb page) so that has reduced costs significantly

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  • The cost of sending your child to even a public school is getting so out of hand. They want them to have laptops and 6 books for every subject plus all the correct uniforms. Private schools are even worse.


    • I agree and then there are the incursions and excursions as well that you have to pay for throughout the year.

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  • It’s hardly surprising with the cost of living…

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  • Not looking forward to our little ones starting school because of this. I’ll be taking the advise of the wise mums on here and looking to get uniforms and such cheap in the year leading up to starting

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  • I am avid shopper on the School Marketplace on Facebook – secondhand uniforms if in good condition saves a tonne of money! Get shopping a couple of years before your child starts school & you can have at least the first couple of years sorted.


    • This is a good tip. Also some schools have second hand uniforms. I would always donate my daughter’s uniforms back to the school if they were in good condition.

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  • I am an avid watcher of our local second hand uniform forums on facebook. This has helped us keep uniform costs down immensely and meant we can focus on buying new a few key items such as pants and shoes. I am finding you get what you pay for in shoes and buying a good quality pair can last the year vs a cheap pair lasting a term at best. I am also starting to buy stationary through the year ready for next year to help as well. Putting a little money away each pay helps take the sting out of new school year costs.

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  • Uniforms are what hurt us the most but its one we just have to cop

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  • Uniforms at my child’s school are incredibly expensive. More so than the regular clothes we purchase. They need to be more affordable.

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  • It’s getting harder and harder to afford the increasing prices on everything…

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  • I went to school in the 70s and 80s and my parents struggled with sc hool items then. I remember mum knitting my primary school uniform, pants, skirt, shirts and all

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  • Yep, the cost of living is real for real people. Those with money will never know the struggle for those without it. There used to be govt supplied school essentials years ago, has that stopped?

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