Budgeting for Private School as a Single Mum

Budgeting for Private School as a Single Mum

This article explores strategies single mums can use to secure their children’s education in private schools.

Being a single mother is no easy task, especially when it comes to providing the best education for your children. As a solo parent in Australia, you may have concerns about funding private schooling for your kids. However, you can make it possible to have a good private education for your children.

Issues with meeting educational finances have been a big question amongst Aussie parents, especially in recent times. An early 2024 study from Finder hinted that back-to-school expenses were expected to break $12.9 billion total – and buying school supplies alone accounted for $3.5 billion. In some angles, Finder’s Parenting Report 2023 also pointed at how many Aussie parents are grappling with a decision to send their children out of private schools and deal with burgeoning costs or enter into the public schooling system to save on expenses.

Understand Your Financial Situation

The first step towards funding private schooling is gaining a clear understanding of your financial situation, by evaluating your income flow and savings against expense levels. Create a budget to identify areas where you can cut back on unnecessary expenses and allocate more funds towards your child’s education.

Research Private School Options

Before making any financial commitments, thoroughly research private schools in your area. Compare their academic programmes, extracurricular activities, and reputation. Look for schools that align with your educational values and offer scholarships or financial aid opportunities.

Some mothers might even aim for a school that can offer the full breadth of basic education levels. Ms. Jenni, a 39-year-old single mother, said she wanted a school that can build up her five-year-old daughter from “reception to Year 12”, to prevent reliving bad memories of her childhood where she herself was transferred to so many schools. According to Jenni, her daughter’s school said her child might not need to wear a blazer until a compulsory dress code is in effect upon reaching Year 4.

Scholarships and Financial Aid

Many private schools offer scholarships or financial aid programmes for students in need. Research and inquire about these opportunities. Prepare a compelling application highlighting your child’s achievements, interests, and goals. Some scholarships may be specifically targeted towards single mothers or children from disadvantaged backgrounds.

Education Savings Plan

Consider setting up an education savings plan specifically designed to fund your child’s private schooling. These plans offer tax advantages and can help you save for educational expenses over time.

Seek Support from Family and Friends

Don’t hesitate to reach out to your family and friends for support. Explain your goals and financial constraints to them, and they may be willing to contribute towards your child’s education. You can also suggest educational contributions instead of traditional gifts during birthdays or holidays.

Part-Time Work or Side Hustles

Consider taking on a part-time job or starting a side hustle to generate additional income. Look for flexible opportunities that won’t interfere with your parenting responsibilities. The extra funds can be directed towards your child’s education fund.

Government Assistance Programmes

Investigate government assistance programmes that may be available to single mothers in your area. These programs could provide financial aid, grants, or subsidies to help cover educational expenses. Contact local authorities or visit government websites to learn more about the eligibility criteria and application process.


Crowdfunding platforms can be a valuable resource for single mothers looking to fund their child’s private education. Create a compelling campaign explaining your situation, goals, and why private schooling is important for your child’s future. Share the campaign with your network and on social media platforms to reach a wider audience.

School Tuition Payment Plans

Some private schools offer flexible tuition payment plans. Speak with the admissions office to discuss the available options. These plans may allow you to spread out the cost of tuition over several months or years, making it more manageable for single mothers.

Local Community Support

Explore local community organisations, nonprofits, or foundations that support education initiatives. They may offer grants or scholarships specifically for children from single-parent households. Attend community events and connect with other parents to learn about available resources.

One example of community support is the School Savvy shops run by Catholic Care Central Queensland. The pop-up stores offer school supplies at discounted prices, from water bottles to bags. A single mother from Mt Morgan who was interviewed by the ABC said the stores’ low prices have been wonderful in helping her prepare her two children’s school needs.


Funding private schooling for your children as a single mother in Australia may require careful planning and resourcefulness. By understanding your financial situation, exploring scholarships and financial aid options, and tapping support networks, you can make a secure investment in your child’s education. With determination and the right strategies, you can provide your children with a quality private education that sets them up for a bright future.

DISCLAIMER:  This article is for informational purposes only and does not constitute financial advice. 2 Ezi has no working relationships with any organisation or company mentioned in this article.

For further financial counselling assistance please contact National Debt Helpline (1800 007 007), Mob Strong Debt Help (1800 808 488), Lifeline (13 11 14), and Beyond Blue (1300 224 636).

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