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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Would I be embarrassing myself to ask for a discount or would you try? (School fees)

247 replies

Inftsouthwest · 27/06/2026 22:18

I’m in my 40s and me and my brother went a private school throughout, obviously many years ago. I also have some connections with the school as a couple of relatives (though now passed) used to work there.

Me and ex recently split and I have moved back to the area. Prior to split we were in a position to afford school fees with relative ease. Now we have split and with the added vat, it is going to be a struggle.

For context my take home pay is 4,500 and ex is 5,600.

I thought of going to the new headmaster and asking if he would honour some sort of discount for DD. Nothing major but perhaps even 10% or something.

Would I be completely embarrassing myself here? I know private school is a controversial topic but I absolutely adored school and feel strongly about the wider experiences young people have with private education. I know I can express this with passion, because it’s completely true for me that I really believe in the system.

We would probably send her regardless of a reduction but as above it would be hard.

OP posts:
HoppityBun · 28/06/2026 10:01

if he would honour some sort of discount

Thats not honouring anything. He’s not under any obligation that he has to honour. What you’d be doing is asking for a reduced rate.

Namechange9871 · 28/06/2026 10:01

Pamelaaaaaar · 27/06/2026 22:38

lol yeah I feel strongly and passionately about all the benefits of a private school education too. But I can’t afford it 🤷‍♀️

Yes, me too!!

WhatAMarvelousTune · 28/06/2026 10:02

We would probably send her regardless of a reduction

Doesn’t that rather suggest that you probably wouldn’t qualify for a bursary? Because they’d see that you can afford it anyway? And because you don’t mention it, I assume you mean you’d send her anyway without needing to remortgage. So if the school also considers the equity in your house, you’d be quite a way off bursary level

Papercup · 28/06/2026 10:04

OP, I have worked on the exec board of various large independent schools groups for years.

Discounts, scholarships and bursaries are all school dependent and fees are nearly always negotiable if you have a child they want.

Is your child particularly bright? Do they have a special skill (music, art, drama, sport)? Is the school particularly selective with a long waiting list?

I’ve seen bursaries offered to families where the main earner was on £100k due to high household outgoings. I’ve also seen 40% sports scholarships. My own children received 20% academic scholarships.

Your best bet is to just give the bursar a ring. Ask about the chances of being awarded a bursary before you go to the trouble of filling out all the forms and also enquire about scholarships. Don’t be embarrassed. They get these calls every day.

TerfOnATrain · 28/06/2026 10:50

Would I be embarrassing myself to ask for a discount

probably, yes.

Inftsouthwest · 28/06/2026 11:46

REDB99 · 28/06/2026 06:12

Yes, they’ll tell you to increase the mortgage. Not sure why you think they should subsidise you when you have assets? Also it’s only 25K a year which is only just over 2K a month, why can’t you and your husband afford this on your salaries? Your mortgage only has 100K left on it so repayments won’t be high or just extend the term to bring them down further freeing up more cash.
It sounds like you can’t afford it or you don’t want to actually pay for it. But you could afford it by releasing equity in your home, if you apply for the bursary they’ll know how much your house is worth (and ex husbands house) and how much mortgage you have.
Either send her and accept you’ll need to pay for her to attend as you have the money / assets to afford to or don’t send her.

Also I didn’t go to private school and earn more than you 😆

How do you know this if you didn’t go to private school? Do your kids go? It’s not about what DD will earn as a result of private, it’s about her experiences growing up

OP posts:
Inftsouthwest · 28/06/2026 11:47

Papercup · 28/06/2026 10:04

OP, I have worked on the exec board of various large independent schools groups for years.

Discounts, scholarships and bursaries are all school dependent and fees are nearly always negotiable if you have a child they want.

Is your child particularly bright? Do they have a special skill (music, art, drama, sport)? Is the school particularly selective with a long waiting list?

I’ve seen bursaries offered to families where the main earner was on £100k due to high household outgoings. I’ve also seen 40% sports scholarships. My own children received 20% academic scholarships.

Your best bet is to just give the bursar a ring. Ask about the chances of being awarded a bursary before you go to the trouble of filling out all the forms and also enquire about scholarships. Don’t be embarrassed. They get these calls every day.

@Papercup thank you. I think dd is bright but I’m obviously biased and doubt I am being objective in that assessment! I will ring the bursar and ask about options. On the website it says no discount for scholarships though

OP posts:
Inftsouthwest · 28/06/2026 11:48

@Papercup i know for primary there’s only 6 in the class at the moment so I don’t know if they would negotiate based on such a low number

OP posts:
Inftsouthwest · 28/06/2026 11:50

User97463 · 28/06/2026 08:55

Came here to say this. Fees are the least of your problems because if she gets in, you're facing 10+ years of feeling inadequate compared to her friends families. It's not a pleasant way to grow up. There are countless threads on MN about parents who are ashamed of reciprocating play dates or not being able to afford birthday parties.

Most PS families are perfectly nice and won't judge a child based on their finances. However you cannot escape the "culture" of families who can easily afford 25K without a discount or bursary. Your daughter will be friends with girls who have skiing lessons, tennis classes, horseback riding, all the latest toys and gadgets, along with grandparents on both sides who are probably eye wateringly wealthy.

It's simply the reality of many people's lives and they're not actively being snobby or showing off. There's nobody to show off to if everyone else has the same level of wealth so the lifestyle factors are just normal things to discuss or partake in.

FWIW, we go to private school and haven't heard a single family moaning about the heatwave. Everyone has fancy homes with air-conditioning so talking about the weather is irrelevant.

@User97463 yes good points. Less concerned about this side of things though, pretty much all my good friends are wealthy, I went to this school too and my family’s wider wealthier friends etc are all connected. I do see your point but dd won’t go without the extras.

OP posts:
Inftsouthwest · 28/06/2026 11:51

WhatAMarvelousTune · 28/06/2026 10:02

We would probably send her regardless of a reduction

Doesn’t that rather suggest that you probably wouldn’t qualify for a bursary? Because they’d see that you can afford it anyway? And because you don’t mention it, I assume you mean you’d send her anyway without needing to remortgage. So if the school also considers the equity in your house, you’d be quite a way off bursary level

@WhatAMarvelousTune yes probably

OP posts:
Inftsouthwest · 28/06/2026 11:52

rushmat · 28/06/2026 06:57

A combination of VAT introduction and sudden long term illness causing a drop in income meant that my sister gave notice at her child’s private school. They persuaded her to apply for a bursary despite her having a high income and quite a lot of equity. She explained that she didn’t think she would qualify. She couldn’t extend the mortgage, had zero savings left and selling the house to fund fees wasn’t an option (complicated reason). The school said to should apply for a bursary anyway despite high income so she did and really regrets it, it was so intrusive and she found it humiliating. After several weeks she heard that they hadn’t qualified for a bursary. In the end she had just been able to commit to child completing their education at the school, but feels paranoid that she may have been gossiped about or that people think they are grasping (I presume it stayed confidential but she worries about it a lot).

I really doubt that you would get a bursary on the income and fees you’ve listed when your child would be starting at the school. Possibly if they were already pupils at the school and you needed to withdraw them.

@rushmat thanks for this insight. I am an anxious person and definitely feel it would be something I would worry about given how invasive it sounds. Hope your sister is ok.

OP posts:
Inftsouthwest · 28/06/2026 11:53

Kingdomofsleep · 28/06/2026 07:13

Our income is less than yours and we are sending two to private school. £25k is not much at all, of course you can afford it. You won't be the lowest earning family or even close. It'd be, what, 20% of your gross income? I think we spend closer to 35% of our gross income on education.

If you really cared, you'd make it happen, like we do. Have a bike instead of a second car, reduce foreign holidays to every other year, fewer takeaways, etc. It shouldn't be hard on your income.

@Kingdomofsleep agree we could probably manage it. I always like a discount though!!! More of a Tu clothing than brands etc

OP posts:
Inftsouthwest · 28/06/2026 11:54

GreenMarigold · 28/06/2026 07:20

Has anyone mentioned an alumni discount yet? I get a 5% reduction on my child’s school fees because I went to the same school years ago.

@GreenMarigold thanks. I think I might actually just ask this question directly!

OP posts:
tinyspiny · 28/06/2026 11:55

I wouldn’t think a school with only 6 in a class was financially viable .

Inftsouthwest · 28/06/2026 12:02

tinyspiny · 28/06/2026 11:55

I wouldn’t think a school with only 6 in a class was financially viable .

@tinyspiny this is in the prep. The 11 plus year groups have a few classes per year of around 16 kids

OP posts:
Inftsouthwest · 28/06/2026 12:03

CornishCornetto · 28/06/2026 08:08

At our school we would expect you to remortgage. We’re not going to ask the other parents to subsidise you while you sit on £500k in assets.

The families at our school that have bursaries are in rented homes, or properties with almost no equity, they drive old bangers, buy clothes secondhand, and go on camping holidays. There are no luxuries and no significant savings, they are putting everything they can into paying the school fees and the school is reducing fees by just enough to make that possible.

But for this September’s intake we weren’t able to give any bursaries at all - the whole of the bursary fund is taken up by helping kids who were already in the school when VAT came in as we want them to complete their GCSEs/a-levels rather than have to move at a really disruptive time.

@CornishCornetto thank you. This is what I was asking about, what sort of situations are bursaries given. I expect due to homes and incomes probably not worth applying.

OP posts:
Inftsouthwest · 28/06/2026 12:05

dementedmummy · 28/06/2026 08:19

If you are asking for a discount or a bursary, it is because you cannot afford full fees. If you cannot afford full fees, then you should not be going on holiday or buying a new car. Your money and spending will be assessed annually to see if you qualify each year - that only won't happen if your child wins a tuition scholarship. As a parent whose child goes to private school and who pays full fees, we don't go on foreign holidays, my car is 12 years old, I have a small house so that I can meet the fees. My friends all have beautiful big houses, new cars, and go away once If not twice a year on holiday but cannot send their children to private school. No shade here to any of them, it's just different choices based on what is important to each of us. Private school has however absolutely been worth it for my child as the school has brought them on leaps and bounds so no foreign holidays etc has been worth it. If you are that worried about managing the fees, why not take your mortgage by saying £50k to find what you feel the gap will be between your income and keeping your standard of living. If you are looking for £2.5k a year ISH, you are only adding say £30k to your mortgage - not sure what stage your child is at. Remember the fees will increase annually, school uniform will not be an M&S effort particularly for the obligatory sport so build in a percentage increase. I normally build in a 10% plus VAT increase to be safe.

@dementedmummy thank you

OP posts:
Inftsouthwest · 28/06/2026 12:06

sweatymessi · 28/06/2026 08:22

you can still go on holiday if you have a bursary just a week in France self catering won’t raise eyebrows like 2 weeks AI in the Maldives.

Sane with buying a new car if needed. A second hand reliable car is not the same as brand new Range.

@sweatymessi it sounds like you actually have to disclose your holiday plans etc though. Seems highly invasive

OP posts:
Inftsouthwest · 28/06/2026 12:06

SunSparkle · 28/06/2026 08:24

They are going to expect you to be living on the bones of your arse. 20 year old car, no savings, no equity to release before they award you a bursary or discount. You can’t be living a life of leased cars, yearly holiday abroad, paid off house and expect a discount.

you either can afford it and you sacrifice some things in your lifestyle or take money out of your house. Have you had any financial advice? Some people remortgage and then invest the money to fund the fees.

have you gone through your expenditure? Why is your financial position now so much worse since splitting? Are you living above your means?

@SunSparkle worse now as each funding a separate home

OP posts:
Inftsouthwest · 28/06/2026 12:08

Franjipanl8r · 28/06/2026 08:30

I think people who attend private school as kids have it rammed so far down their throats how amazing private school is - that they have a fear of state schools!

You cant afford private school, your child is going to state school just like the rest of us. You will be fine, they will be fine.

I had friends from state and private school - the state school kids are the highest achievers as adults now.

@Franjipanl8r yes I agree, I think it is definitely something that I’ve grown up with the mindset that only private will do! I can’t change my mind though, I’ve tried!!

OP posts:
user67584329 · 28/06/2026 12:08

I would think the small class number would be to your benefit. If they have a classroom to run, the fixed costs are the same, so even at even at a discount, they're still making a profit from what you would pay.

That said, no, in the school where I'm a governor, your financials would be unlikely to be workable and we would put you through the process, which is unavoidably invasive. If your child had been there for a while and you'd had a change in circumstances we might work with you, depending on how much we wanted to keep the child, but that leads to tricky dynamics with other parents who are juggling to pay fees.

But it's worth a try, I guess.

sweatymessi · 28/06/2026 12:10

OP the ones I know are quite invasive in that everything has to be disclosed & often an annual check, they can see via that what a holiday has cost etc.

OverTheWater28 · 28/06/2026 12:11

Sorry… you have half a million in equity and almost £5k per month income and you think that you should be subsidised so your child can attend a school you claim to not
be able afford? Taking bursary funds from an actually disadvantaged child?.
Jesus.

OpheliaNightingale · 28/06/2026 12:13

My kids took an entrance exam. We were immediately offered a scholarship which meant we had a 50% discount.

sweatymessi · 28/06/2026 12:19

Taking bursary funds from an actually disadvantaged child?

Really disadvantaged dc don’t tend to apply for bursaries, many don’t even know they exist or what they could get.