Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

has anyone managed to pay for private school on a lowish salary? I am so worried about ds going to state school

916 replies

unhw · 16/08/2023 19:31

Me and ex are divorced. DS is 3.5. Ex pays me 700 a month, he never sees DS so obviously that amount would change if he did start to see him.

I have been to some schools near here to look at them because if ds does go to a private school then I would want him to go to the nursery part too, from the word go. At the moment he goes to a nursery near the house which is average at best, despite an outstanding ofstead rating.

The schools are awful. There are so many kids. Barely any smartly dressed. Seems to be no order and organisation. Pick up is 3:20 (?!) so god knows what would happen to my job.

I really really want him to go to private school and the one I’ve seen is around 18k a year for primary. Has anyone done this on a low salary and if so how? Did you move house or downsize etc. I don’t want to do anything extreme but my priority is this and I would do what it takes it there’s a way.

OP posts:
curaçao · 16/08/2023 23:00

Many rural schools have tiny classes, my dd teaches a class of 12 kids for example.The kids get to di so much because everyone plays on school teams, trips are very easy to organise, high level if community involvement
Eg volunteers to help with reading etc

GloryBees · 16/08/2023 23:01

AnxiousFairyQueen · 16/08/2023 22:52

I sort of did. My exH sometimes paid the fees and sometimes didn’t. In the end we were given a bursary but the thing is, my DS only started at an independent school in year 4 and the fee issues didn’t start until year 8 or 9. DS is very academic so that helped (it’s not meant to but I think it does) and there were only a few more years to go.

The school was great. Bear in mind that all independent schools are different and the one DS went to had a headteacher who was very down to Earth and thought that all children should have the right to go to a school where their well-being was prioritised. The parents are treated with respect too - which doesn’t happen at state schools, especially if you have an ND child…it’s a battle.

But it’s a huge commitment for you and it might not be necessary.

The lifestyle thing mentioned above was never really an issue for us. Lots of the parents had normal lifestyles and a lot of the kids were there because they couldn’t cope socially in a state school. I guess we could have just been lucky and DS would have avoided any snobby kids.

Have to disagree with you there. Many tales of private schools being terrible with ND kids, especially the academic ones.

arlequin · 16/08/2023 23:02

Lolaandbehold · 16/08/2023 21:20

OP, with your relatively low salary, your son should be eligible for a bursary. Why don't you call the school you're thinking of applying to and find out their criteria?

At the senior school I work at it's a household income of 45k or below for a bursary

Couldyounot · 16/08/2023 23:02

Right OP, we get it. You've notions. But be reassured that your child isn't going to catch something from being state-educated. I was privately educated; all 3 of mine go/went to state schools. They're doing fine.

Amethys · 16/08/2023 23:04

Work out which schools interest you and ask them what level of income, if any, can expect a 100% bursary.

cadburyegg · 16/08/2023 23:05

I went to private school. In my school there were families who clearly earned huge salaries and owned mansions with swimming pools. There were others who were scrimping and saving to put their kids through private schools. We were somewhere in the middle. Now, I think it's different and you'll mainly get people who have very high salaries. I think a lot of people who were scrimping before would simply be priced out now.

My dc go to state, mostly because no way could I afford private education (also single). It's a lovely school. Would they benefit from smaller class sizes, yes definitely. Does this thought keep me awake at night, no absolutely not. There are plenty of professional families who use wraparound care including myself. My dc benefit a lot from having local friends, my ds1 has about half a dozen friends within a 5 minute walk from our house. As a single mum, being able to call on a mum friend to pick up a child in an emergency is much more important and helpful to me than how well dressed the children are.

I met someone in the village once who was about to enrol her dc in a private school. I remember feeling sorry for him because he'd miss out on the local school and the community feel. An acquaintance of mine sends her dc to private school and posted a picture of her 4 year old in full school uniform with a tie, button down blouse and blazer. I felt sorry for her too!

When my ds1 was in year 1 he came out of school in a baggy pair of jogging bottoms that weren't his, because he'd fallen into a puddle and got soaked. Another time he'd somehow ripped a hole in his polo shirt. Both times he looked very scruffy and unkempt! These things happen to young children no matter what school they go to.

Interestingly, out of all the friends I went to school with, none of them send their own kids to private school either.

Clearevening · 16/08/2023 23:06

There are bursaries, so you will be fine.

Not necessarily true. They're limited and not easy to get, especially at primary level, or even secondary. The competition for the academic-based scholarship places alone!

I've personally known people, over the last few years, who have been forced to move their children from their private school to state (after having attended for years) because their financial situation has changed. Some hold on as long as they can in case something comes in (donation wise). It's not a bottomless pot. There are limited bursaries available.

PyongyangKipperbang · 16/08/2023 23:08

unhw · 16/08/2023 20:45

Really not sure why people are so offended by me simply asking how I could do something to give my ds the best start in life. Some of the posts are crazy.

But you dont actually know that it will give him a better start in life.

Had you post said that all the local schools were rated badly by OFSTED and had crap SATS results, and in comparison the independent delivers better results and opportunities, then fair enough.

But you problem with state schools is how the kids look and how you perceive their organisation to be. You dont actually KNOW that is disorganised and not giving each child what they need.

You also dont KNOW that the school you are desperate to send him to has better results, a better environment and better teaching. Ime independents can be very hit and miss with teaching and results as they are not held to the same standards as state. There are more than a few private schools near where I live, the most popular (also the cheapest) is not very good at all but wins because of the snob value. People send their kids there because they assume, as you have, the private must be best.

I suggest you do some actual research on the things that matter, and stop worrying about how the kids look. Oh and no, a teacher will not pull aprimary school child up on how smartly they are dressed for three reasons.

  1. The child isnt responsible for what they wear at that age, the parents are. If a child is clearly being neglected then that is a cause for concern and safeguarding, not pulling the child up on something they literally cannot control

  2. No matter how smartly a child is dressed when they are dropped off, they will look like a bag of rags by the time they leave. They are kids, thats what kids do.

  3. it doesnt matter. A kid in a paint stained polo shirt is not going to learn less than one who gets a brand new out of the packet polo shirt every morning.

You really need to think about why you are obsessing about this. Oh and I assume you have considered that school fees will go up every year more than your ages will, and when he hits secondary will take most, if not all, of your salary.

Amethys · 16/08/2023 23:09

OP another option is to get a job working at a private school. Eg Sutton Valence give 65% discount on fees to children of staff.

Singingseals · 16/08/2023 23:09

unhw · 16/08/2023 20:15

@Butterflyfluff buying the new trainers and having the newest iPhone or owning a horse is a long way from spending thousands a year on school fees? Ds isn’t their responsibility

Jumping the shark here I feel…..

SunWorshipping · 16/08/2023 23:09

What's the obsession with private school? Just move to a nice area with a decent school. You earn an OK salary as a single parent, but you really can't afford private school. One of my best friends I met at uni was privately educated, her parents were v poor and had family/friends paying their fees. They (her and her brother) found it tough trying to fit in with people who came from totally different worlds, they just weren't in the same league, her brother was bullied terribly because it. Just because people pay money to send their kids doesn't mean these children are decent people, many are spoilt little brats who are used to their own way. Give me a decent state school in a nice area any day of the week. Your child will fit in far better and you won't be eating beans for 13 years.

grumpycow1 · 16/08/2023 23:10

Merseymum992 · 16/08/2023 19:38

3pm-ish finish is absolutely normal for schools. What do you think every other parent in the country does about their job?

Exactly. Get a childminder or pay for after school clubs like everyone else does.

PyongyangKipperbang · 16/08/2023 23:11

Yeah the "3.20pm (?!)" made me smile!

Not much experience of the real world in this one I feel!

anonymousamy · 16/08/2023 23:13

I’m the same OP. DC will be going private even though it’ll be a stretch for us - but since we have the option financially (just about) I’d much rather spend the money we do have on education as opposed to holidays or going out and other luxuries.

NEmama · 16/08/2023 23:13

Absolutely delusional if you think you're on a low salary

SundayNight · 16/08/2023 23:13

My son has just finished his secondary education. He attended a private primary school and a state grammar school, which was considered one of the best in the country. Looking back, I realise I wasted money on prep school because local state primary schools are just as good, if not better. Private school teachers are less closely supervised and some of them, eg Australian teachers, might not meet the qualifications required for state schools. Due to there being mo fees to pay, there is more spare cash available at state schools to parent fund equipment, etc.

Most children receive tutoring for the 11+ exam, which eliminates any advantages of attending a private school when it comes to entering the next level of education. There’s another local prep school that is reputedly better than the one my son attended because it has a track record of sending students to top public schools. Only a small percentage of students take the common entrance exam. For most parents, the goal is to tutor their child to within an inch of their life to secure a spot in one of the grammar schools in Buckinghamshire.

However, this has led to a lowering of academic standards in grammar schools. My son, like many others, struggled academically. Grammars expect kids to teach themselves following instruction. They don’t nurture. The lockdown highlighted the disparities among students. His year group was “fortunate” that teacher assessments were used for GCSEs.

Tomorrow, they will receive their A-level results. I believe the school’s long-standing academic reputation will start declining steadily from this year onward. This decline had already begun before the COVID-19 pandemic. Tutoring means the schools aren’t teaching the most able but in many cases, the most tutored.

Many of us, myself included, wanted to believe our children were above average. In reality, most of us ourselves are quite average. Otherwise, we wouldn’t be having this debate; we’d be out there changing the world!

One thing these boys do have in their peer group is access to more money than common sense. I believe all four boys expelled from the school this year for drug possession came from one of two prep schools considered the best in the area. Not state primary schools, despite the large class sizes and dishevelled uniforms ;-) Unfortunately, another student lost his life due to involvement with County Lines drug dealers. An inquest into his death is scheduled for later this month.

My point is that all 1300 boys at my son’s school would have achieved the same results had they attended state primary and more nurturing secondary modern schools. Some might have even done better. I think my son would certainly have been happier.

These five boys caught up in drug-related issues might not have faced such problems if they hadn’t been in that environment. Two of the expelled boys were only in year nine. 13/14 years old!

Money can’t buy common sense or good parenting. New money can be particularly problematic. Apparently, there are parents at the school who are very permissive with their own drug use and drinking habits. They consider it “cool” to allow their teenagers to consume drugs on their property and drink excessively. These are not households in disadvantaged neighborhoods; they are in gated executive estates. The difference between cocaine and cheap alcohol differs only in cost per unit.

I was shocked when I discovered the reality of my son’s school. What kids he went to prep school with are up to. Locally, his school is heralded” as the “only option” for boys if they want a high-earning future, as if that’s the only thing that matters. A mother once said in a Tatler schools guide, “it’s the best school money can’t buy” goodness help her 🤷‍♀️ She was out of the school’s catchment area. Perhaps she dodged a bullet.

I can voice my opinions about the school, but people still go to great lengths to get their younger child into the catchment area. The housing prices are exorbitant for what you get. And regardless of the headmaster’s efforts, the boys are often unruly. Bullying is rife. The lockers are apparently a drugs supermarket. The sports changing rooms are a free for all as far as the theft of phones and debit cards.

As for the state of the boys, my son wore the same blazer throughout his time at the school. I bought him a new one, but the boys preferred to appear unkempt. As long as the uniform was correct, they couldn’t be reprimanded. My son looked adorable in his red and gold prep school uniform at age 4, but a state in his worn-out navy grammar school blazer and backless shoes and he was one of the tidier ones. I at least ironed his shirts and trousers!

My advice: save your money and focus on instilling good values that you hope your children will uphold. Peer pressure from wealthier kids in bigger houses, with parents who condone drug use and drinking at age 14, is hard to resist.

A top tip: be the parent who picks up your child from parties. Even if you become a local taxi service. Observe who’s in charge, the state of those leaving, who gets picked up and whose parents are fine with their kids wandering home in the early hours along poorly lit and unsafe roads.

If I had the money still that I spent on prep school and all that goes with it, again, I’d not be debating on MN, I’d be on a beach!

TheCyclingGorilla · 16/08/2023 23:14

My DD is now going into 6th form, but I worried she'd get lost in a class of 30 kids, because she's quite shy and reserved. She actually fitted in fairly well but you have to put in some effort outside of school.

When she had a new topic at school we'd try and find something or somewhere to go to reinforce learning. So for example, when she did the Tudors, we took a trip to Hampton Court Palace and the Tudor Portraits at the National Portrait Gallery.

Are you in London? Most state primaries are good or excellent. I live in an area where it's common to go to state primary then go up to private secondary.

SundayNight · 16/08/2023 23:16

Amethys · 16/08/2023 23:09

OP another option is to get a job working at a private school. Eg Sutton Valence give 65% discount on fees to children of staff.

Doing what though? She’s not going to earn nearly what she earns now in a school, so discount or otherwise, she’s going to be worse off than she already claims to be!

1jan2021 · 16/08/2023 23:17

unhw · 16/08/2023 19:47

@paddleboarder12 i currently earn ok (76k) but this will drop to 65 soon.

Lol at the statement you “earn ok” and in the same breath reveal that you make 76k. That is a massive salary compared to most people. Do you have a partner? If you do then private school sounds very affordable (and even if you don’t then it probably still is).

Timetochangegonzo · 16/08/2023 23:19

I think we’re seeing a huge shift in the importance of private schools in the UK. Most industries and employers are now focused on diversity and addressing inequalities so the old ‘private school club’ jobs don’t exist in the same way.

In my blue chip company we don’t even require a degree now - we assess young people ourselves. As things change people will realise that paying upwards of £150k to end up in a no better position isn’t worth it. And many private schools are just not very good. Where I live there are some £30k a year schools which don’t get any better results than the state ones. I don’t really want to pay £30k for them to essentially wear a beret and look fancy

SundayNight · 16/08/2023 23:20

Itsnamechange · 16/08/2023 22:59

Possibly studied sculpture at St Martin's College.
But she DOESN'T want to live like common people.

😂 She told me that her dad was loaded
I said, in that case I'll have rum and Coca-Cola

JaukiVexnoydi · 16/08/2023 23:22

£65k is not a low-ish salary.

After tax & ni you have £46,749. If you spend £20k per year on school you have £26,749 left to live on per year.

£26,749 is the amount after tax and pension that someone earning about £33,500 per year gross would take home.

That's a lot more than a teacher's starting salary - a teacher wouldn't get that much till being quite extensively experienced. It's what a band 5 nurse would earn after about 5 years of experience. So of course people survive on that kind of money. You could afford it if you want to. You are just used to the nicer standard of living you can currently afford and would have to step down the rungs a bit.

But I would suggest going with state for primary and save up £10k per year for 7 years, then you can use those savings for senior school fees and only have to take half the standard of living hit.

anonymousamy · 16/08/2023 23:22

Our local comp is rated requires improvement by Ofsted - no way will DC be going there!

Merryoldgoat · 16/08/2023 23:22

I really wish the posters talking about bursaries would stop unless they actually know what they’re talking about.

You won’t get a bursary at all at nursery age as they’ll already be hammered with the 15/30 hours funding amounts they can’t top up (but do with creative session building). They generally exist to try to get more kids to stay on as they hope parents will think it’s cheaper once it’s just school rather than the 8-6 nursery charges.

Precious few preps offer bursaries from Reception and the ones that do are usually fighting to keep bums on seats. In the current climate they’re the most likely to fold.

Additionally, if your ex has parental responsibility he will need to agree to be jointly and severally liable for fees as well as to the terms of the admission.

If he DOES agree then his income will also be taken into account when assessing a bursary application. A man who earns enough to pay £700 a month maintenance will have significant income and therefore your joint income will absolutely exclude you from any good school’s criteria.

Bursaries from 7/8 are your best bet but they’re highly competitive as the 7+ 8+ entry tests will need to be passed first and then bursaries are limited and offered only to the top performers so you’d need your child to sit several.

If your mortgage is small you might manage for a while but I’m guessing eventually the

increases will outstrip affordability for you.

Imo affordability is pie in the sky for most people.

I have had consultant surgeons with private practices asking me about bursaries the fees are now so high. A single salary of £65k - £75k won’t cut it.

Swipe left for the next trending thread