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Is private education worth it?

125 replies

motherofggs · 07/04/2022 14:21

I have two children they are both in private school, one in primary another one is in secondary (age 9 and 12) We used to have really good income before so we never considered and searched about the state schools. We will shut down the business and find a job with my husband we both have master degrees from UK but still I am not sure if we can cover the all school fees with our salaries. Our school fees currently 34k for both of them per year. It’s increasing each year and lunch, uniform and piano lessons are not including in this fee.
My kids are doing great in school. They are both above average with out tutoring. Specially little one so talented she will sit IGCSE exams next year. Her teacher says she is gifted and role model of the class. Both my children also good in sport and art and they speak 3 languages. My older one got scholarship (25 percent off from school fees). I do believe little one will have more as she is more academic and she can get 50 percent when she will sit her 11plus assessment in year 6.
Unfortunately I am still in stress as I know lots of parents which has degrees like us and both works full time and they can not afford independent school fees for 2 children. Meanwhile by saving I mean we have one holiday house in our country which cost about 150k and one additional (off plan) property which will be ready in 2023 (we paid 90k) for that property in 2009. And we have a mortgage around £2000 with service charge and 2 cars. And if sell the house we living in currently we can have around 300k because we paid high amount of deposit when we bought the property. We still can pay next years schools fees from the savings but if our income do not gets better we need to sell one of our properties later.
I would like to know what would you do if you were in that situation. Many thanks

OP posts:
RedMake88 · 20/04/2022 19:39

*of colour

SeaKaleShingle · 20/04/2022 19:53

The decision depends a lot on individual circumstances - affordability, the specific child and the private/state offer locally. I hear many parents say that they are paying for 'extras' but I honestly think that with a bit of effort that can easily be supplemented with a bit of parental effort (time permitting of course). Some feel that a particular environment suits certain personalities and that's all fair enough - who knows a DC better than their own parent. Also some DC need a bit more help and smaller classes can suit that need if the purse can stretch to it. All sound reasons to choose a private school. However, on attainment, I would say that with a bright and motivated DC, it really doesn't make much difference at all, unless the state option is really bad. My DC all went to a state primary in an affluent London catchment. The top sets in their classes all went on to different schools - London day schools, boarding schools, state selective and comps. If I look at where those DC have gone on to Uni and the courses they have gone for, they have all ended up going to top Universities and very competitive courses irrespective.

RedMake88 · 20/04/2022 23:42

Everyone seems hooked on future outcome but what about school experience

SeaKaleShingle · 21/04/2022 00:51

@RedMake88 I think the focus you mention is because academic outcomes are easy to measure whilst school experience is much more subjective. DC can have very different experiences in the same schools and so one can't really assume that school experience will be inherently better in one type of school than another. It all depends on the individual DC (and sometimes other circumstances around the DC) and the fit with the specific school. I know DC who have had wonderful school experiences across different types of schools and others who have had awful experiences across the same range.

Peakypolly · 21/04/2022 01:24

I do think their parents wasted an absolute fortune on their education. I know the stats show privately educated do well
If you are paying school fees purely to achieve high academic results it is a waste but, having gone private the whole way with my DC, I ensured they each had enriching and, most importantly, happy school days. I believe they would have achieved similar academic results at a decent state school.

Chocalata · 21/04/2022 09:24

@RedMake88 We have friends with four children in private school - two it has been amazing for, two it was a disaster for and they have mental health issues because of bullying / eating disorders.
So much more depends on the child’s personality than the type of school.
When you come towards the end of school years like I am with my eldest, you see that children can succeed in both systems, fail in both, be bullied in both. Some stick with their sport at private, some give up - ditto state. Some make use of the £££ facilities at private, some don’t.
It is much more of a lottery than the swanky advertising and marketing will let on.

Around us all the middle class kids end up at the same uni’s at the end of it all.

elhlUI457897J · 21/04/2022 10:12

Happy school days and private dont automatically go together. Lots of my friends went to top private schools in London - most have ended up in good jobs and are definitely much more confident than they would have been had they gone to the local state like I did. However, I dont think they had any happier school days than I did. Bullying was rife - boy schools seemed very sports obsessed and quite competitive and a bit nasty. Girl schools - lots of eating disorders and again competitive one-upmanship. Its true that no one got bullied for being clever - my friends just got bullied for other reasons.

Abuildingwith4wallsandtmrinsid · 21/04/2022 10:54

Where do you live OP? Any state grammars around for your younger gifted child? From my experience they can be more academic than even the top independent schools. Top independent schools - lots of extra curricular distractions and very long holidays. And the grammar parents are more pushy/dedicated. Could that be an option for the younger one?

SeaKaleShingle · 21/04/2022 11:52

I would say my DC's single sex grammars are similarly academic to the selective London day schools. I think the fit and happiness factor all depends on the child. Some regard those schools are high-pressure hothouses but that hasn't been our experience. My DC and their friends have all been very happy and would say they weren't pressurised at all, just encouraged. They have also had a lot of balance, making strong friendships and having good social lives as well as lots of extra curriculars. I think the pressure factor partly depends on where you are in the cohort. It wouldn't be much fun if you are struggling just to keep your head above water. I think there can be an issue of heavy-handed tutoring to gain a place without thinking of what lies beyond.

MsTSwift · 21/04/2022 20:23

If the state option is bad probably worth it likewise if your child is madly sporty but there are far too many variables - too simplistic “private good state bad” depends on the child and local options. Also the school year has an effect too - a neighbour works in a local top private school and and says there are certain year groups she wouldn’t want her child in so it can be as variable as the intake in your child’s year. So we can’t answer really!

NotaFR · 24/04/2022 08:49

This is a really interesting thread. As someone who has recently moved from state to private.
The teachers in the state school
were generally excellent and so was the support (DD has SEN). But the class was 32 kids plus 3 support staff (2 for 1:1 Sen children and 1 TA). For DD it was impossible for her to concentrate and she was lost. Suffered anxiety etc.
We moved her. Immediate impression is that the actual teaching is possibly not quite as good. Sports and languages v good. DD is very very happy but probably won’t do any better academically than she would have done in state school if she’d been able to cope and the funding was there across the board.
Her happiness is worth the stretch financially but we wouldn’t have ‘chosen’ private as in our experience state can be excellent.
Although I am not convinced in secondary this would be the case unless she got into grammar.

Ginandcrispsarebliss · 24/04/2022 10:47

Saltysaltycaramelanything · 19/04/2022 20:25

@Ginandcrispsarebliss

For me, definitely yes sending DC's to private school, from Year 7. My DC's need full time support with dyslexia. The state schools where we live have support but limited. The private school, they have full time help and it has been brilliant for them.
Same for my DD, the state school where we live was useless as she wasn't "dyslexic enough" so they didn't have the funds to support her.

Apart from the academic support I find the extra curricular activities at school are great. My DD is very sporty and enjoys swim squad, water polo, netball squad, tennis on Friday evenings and as she is currently not ready to get the train the school has a late bus so working parents don't need to worry about trips to the school to pick up.

Same with my DD. She struggles with most subjects at school but she is thriving at sports and Arts. Takes parts in all sports and joined a football team in school and outside. One thing we have notice is her confidence has grown and she is enjoying school.

Chocalata · 24/04/2022 13:24

@Ginandcrispsarebliss that is such a shame for you. Our local comp is well known as the best school for dyslexics in the area - it has a brilliant SEN team who have masters qualifications, a dedicated building, and most importantly they are ambitious for dyslexic children, encouraging them to aim for high marks with the right support.
How infuriating for you that you have to pay for the same. It really is a lottery isn’t it. I would happily pay for what we are getting and feel blessed that instead we can save it to support our DC in other ways such as buying a first home.

Ginandcrispsarebliss · 24/04/2022 15:23

@Chocalata. I agree with you. It is a lottery and wished our local state school would supply full time support for children who are dyslexic. I am glad your school supplies excellent support as it makes such a difference.
When my DD was diagnosed in Year 4 by a brilliant supply teacher at the primary school she attended. The school never have funding to help with testing for Dylexia so we had to go private and pay. The report helps so much and we could see our DD would struggle going to the local state school and needed full time support. We are fortunate to be-able to pay but have had to make sacrifices which is worth it when I see my DC's thriving and growing in confidence with their learning. I always tell them, they can do anything they put their minds to but most importantly to enjoy school and try their best in everything.

fuzzwuss · 24/04/2022 15:32

It is certainly a difficult decision, and there are a lot of factors to consider. I just wanted to comment though on you saying that your children can play tennis, learn the violin and so on. They can of course do this if they go to state school, saving the fees for the fee paying school (assuming you are able to access a good state school) will enable you to buy a number of high quality activities and memberships.

Chocalata · 24/04/2022 17:07

@fuzzwuss totally agree - the State Plus model. We do this with ours because we get to access specialist coaching and teaching and one to one tutoring and we don’t waste money on facilities not used (I boarded and my poor parents must have wrung their hands at how little I used!). Some fee paying parents also have to cough up for these excellent clubs. I am a specialist sports coach and we have so many children from local privates coming to our club now, the parents say the coaching isn’t high level enough at school. So they feel they have to cough up twice to get proper coaching.

MGMidget · 26/04/2022 14:21

Yes if the state options are poor and you are comparing with a really good private school. Also, I think they are more worth it for older, secondary-age children but again only if you are comparing a really good private school against poor state schools.

siennajk · 26/02/2023 22:28

Yes it is!!

user1477391263 · 27/02/2023 02:51

Impossible to answer this question as it depends on what local state options are like, what the priorities of the family are, and how much money is available.

Most people I know in the UK, including most who had private education themselves, have found it best to buy property in the district of a good state school and use tutoring as and when needed. It’s a lot cheaper and enables the parents to put money towards housing deposits for the kids, and their own pensions.

A few people I know have wound up using private schools because they have no good state option. For example, they live in an 11 plus area, a child needs support and would be very unlikely to pass and the local “secondary modern” option is awful. Or for other people I know, the only state school place they could get was dreadful or miles away.

One or two people I know have a lot of money from two parents working long-hours, professional jobs that are very demanding. They use private schools because they have plenty of money and want options that will take care of everything - academics, homework supervision, enrichment, extra curricular - as a one stop shopping trip; it means that both parents can focus on their careers, which makes financial sense for them.

I live in Japan where the “Juken” system means that switching private at either age 6 or age 12 makes things massively less stressful, and we want bilingual education for our child, plus private schools here are more affordable. So we have used a mixture of public and private schools, and make no apology for either! If we lived where my siblings lived, we would probably have moved to the area of good comps and got some tutoring in.

Heatherbell1978 · 02/03/2023 07:23

I'm enjoying reading this thread as it's something I wonder for my DC aged 6 and 8. Both at local primary doing great and we could maybe scrape together funds for private high school but is it worth it. I went to the local high school and did great academically, went to university etc. DH educated privately and scraped into university. Both earn similar now. But he's very sporty and did well in this regard at school, opportunities perhaps I didn't have at school but then I'm not sporty! Our DS is very sporty and would thrive at a private school with what's on offer there.

Lingar · 02/03/2023 10:24

Heatherbell1978 · 02/03/2023 07:23

I'm enjoying reading this thread as it's something I wonder for my DC aged 6 and 8. Both at local primary doing great and we could maybe scrape together funds for private high school but is it worth it. I went to the local high school and did great academically, went to university etc. DH educated privately and scraped into university. Both earn similar now. But he's very sporty and did well in this regard at school, opportunities perhaps I didn't have at school but then I'm not sporty! Our DS is very sporty and would thrive at a private school with what's on offer there.

Top grammars have suitable sports fixtures as well. Some have 1-2 sports stars from school. I think private schools have good marketing.

MarshaBradyo · 02/03/2023 10:39

Lingar · 02/03/2023 10:24

Top grammars have suitable sports fixtures as well. Some have 1-2 sports stars from school. I think private schools have good marketing.

I see so much debate on here re the state of state schools and whether private gives an advantage and then posts like this

It makes me question whether a school’s success is more to do with cohort than funding. Grammars and top comps don’t get more but they do attract parents who are usually highly motivated and dc that pass tests to get in.

Lingar · 02/03/2023 10:51

MarshaBradyo · 02/03/2023 10:39

I see so much debate on here re the state of state schools and whether private gives an advantage and then posts like this

It makes me question whether a school’s success is more to do with cohort than funding. Grammars and top comps don’t get more but they do attract parents who are usually highly motivated and dc that pass tests to get in.

I work for the public sector finance, I know how the grant works (actually always more than needed) . Many good state schools also have other ways to raise funds like events and donations. my DD is in the state primary, schools always easily raise funds and invest in music. They are happy except academic not that push. I think grammar will be good for bright kids. The teacher said if you are bright kid, you will be doing well in any school!

WombatChocolate · 02/03/2023 20:02

I agree that it all depends on your state options and also how much sacrifice paying fees will make.

If you’re absolutely loaded and won’t notice the £25k a year fees vanishing from your bank account, then as long as you’re choosing a good independent, you probably provide your child with a more comfortable ride through education. You might think that’s worth it.

Most people, even if well off will notice £25k or £50k for 2 vanishing and it will have an impact…..might mean less in pension, or living in a smaller house than ideally wanted etc. For them, if there’s a good state school - either grammar or Comp and their child doesn’t have additional needs, then it probably doesn’t make sense to pay. As others have said, their schooling will be decent and you’ll have cash for lots of enrichment or tutors if you need them. Lots of people find themselves in this situation who previously would have sent their kids private, but with rising fees, feel it just doesn’t add up and the sacrifice isn’t worth it.

When there isn’t a good state school, it might be worth paying. For people with 1 child and who need to live in that area for whatever reason, it might make sense to stay and pay and suck up the expense. It might be worth sucking up the expense if you need a specialist provision for SEN. But most people who aren’t near a good catchment who could scrape together the fees, will assess this early enough to perhaps move into catchment of a better state school and avoid fees.

It’s true, that the highest level sport and music isn’t in schools, even the very good schools. The really top talents will always be in county or national teams and orchestras or training squads of professional sports clubs, rather than relying on the school for their provision. It’s those at the level below who really benefit from independent school sport and music etc….those who won’t be in county or national squads but want to play a lot. But there are outside sports clubs for all ages and parents who are willing to pay and ferry the kids about, can do so at any level. Many state Grammars can also offer a good sports offering, with weekend matches, although perhaps not down to F teams like many independents do. But as mentioned, you don’t need your kid to do their activities in school….you can find everything outside of school. It will cost you and you will need to be able to ferry them and fit it all in which isn’t easy if working, but it. And be possible…..and much cheaper.

I’ve known middle class families with very good but not astronomical salaries make different decisions. Those choosing state school in good catchment areas seem to have big houses, to go skiing and other foreign holidays in the summer, and their kids seem to do lots of activities at a decent level. Their parents have high expectations and the kids do too. They start life with loads of advantages. Some of those in a similar position paying fees, are living in the less good areas, and in smaller houses. They lives are more constrained and although they have holidays it’s all much more muted. When they come to retire and downsize, they have a much smaller asset to sell. Their pensions might be smaller and they might have less savings to help their kid into the housing ladder.

I think you have to see the bigger and longer term picture of helping and supporting your child - beyond that just involving schooling. Supporting our kids involves their lives and experiences outside school, and well beyond the school years. Those lucky enough to even be thinking about paying fees, might well decide that the cash is best used and their kids will most benefit from the money not going into school fees, but an enriched childhood and lots of financial support brought uni and as young adults.

Lingar · 02/03/2023 20:35

WombatChocolate · 02/03/2023 20:02

I agree that it all depends on your state options and also how much sacrifice paying fees will make.

If you’re absolutely loaded and won’t notice the £25k a year fees vanishing from your bank account, then as long as you’re choosing a good independent, you probably provide your child with a more comfortable ride through education. You might think that’s worth it.

Most people, even if well off will notice £25k or £50k for 2 vanishing and it will have an impact…..might mean less in pension, or living in a smaller house than ideally wanted etc. For them, if there’s a good state school - either grammar or Comp and their child doesn’t have additional needs, then it probably doesn’t make sense to pay. As others have said, their schooling will be decent and you’ll have cash for lots of enrichment or tutors if you need them. Lots of people find themselves in this situation who previously would have sent their kids private, but with rising fees, feel it just doesn’t add up and the sacrifice isn’t worth it.

When there isn’t a good state school, it might be worth paying. For people with 1 child and who need to live in that area for whatever reason, it might make sense to stay and pay and suck up the expense. It might be worth sucking up the expense if you need a specialist provision for SEN. But most people who aren’t near a good catchment who could scrape together the fees, will assess this early enough to perhaps move into catchment of a better state school and avoid fees.

It’s true, that the highest level sport and music isn’t in schools, even the very good schools. The really top talents will always be in county or national teams and orchestras or training squads of professional sports clubs, rather than relying on the school for their provision. It’s those at the level below who really benefit from independent school sport and music etc….those who won’t be in county or national squads but want to play a lot. But there are outside sports clubs for all ages and parents who are willing to pay and ferry the kids about, can do so at any level. Many state Grammars can also offer a good sports offering, with weekend matches, although perhaps not down to F teams like many independents do. But as mentioned, you don’t need your kid to do their activities in school….you can find everything outside of school. It will cost you and you will need to be able to ferry them and fit it all in which isn’t easy if working, but it. And be possible…..and much cheaper.

I’ve known middle class families with very good but not astronomical salaries make different decisions. Those choosing state school in good catchment areas seem to have big houses, to go skiing and other foreign holidays in the summer, and their kids seem to do lots of activities at a decent level. Their parents have high expectations and the kids do too. They start life with loads of advantages. Some of those in a similar position paying fees, are living in the less good areas, and in smaller houses. They lives are more constrained and although they have holidays it’s all much more muted. When they come to retire and downsize, they have a much smaller asset to sell. Their pensions might be smaller and they might have less savings to help their kid into the housing ladder.

I think you have to see the bigger and longer term picture of helping and supporting your child - beyond that just involving schooling. Supporting our kids involves their lives and experiences outside school, and well beyond the school years. Those lucky enough to even be thinking about paying fees, might well decide that the cash is best used and their kids will most benefit from the money not going into school fees, but an enriched childhood and lots of financial support brought uni and as young adults.

Wow, that is a very good summary and observations!

'highest level sport and music isn’t in schools, even the very good schools.' Total agree. The really top talents will always be in county or national teams and orchestras or training squads of professional sports clubs rather than relying on the school for their provision. It’s those at the level below who really benefit from independent school sport and music''. Totally agree. I feel I run a private school myself. lol I have invested in activities outside school that brought my DD much further to the national level. I do not think she can get this in any school...

'I’ve known middle class families with very good but not astronomical salaries make different decisions. Those choosing state school in good catchment areas seem to have big houses, to go skiing and other foreign holidays in the summer, and their kids seem to do lots of activities at a decent level. Their parents have high expectations and the kids do too. They start life with loads of advantages. '
Great observation!
The middle class is the hardest group as they can not get bursaries (income above threshold) and are not tier 1 rich. They have to decide whether to change a comfortable lifestyle or work super hard to pay the bills. Everyone has different requirements for living. Some people need a bigger house, think this is more important or have other investments. Some may think education is a better investment.
Around me, some middle class has one child with a scholarship to attend a private school. If two children or more, many are business owners or executives.

This is a good topic :)

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