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Planning education fees

Providing an educational opportunity for your child.

Most parents would agree that a good education is vital to their children’s hopes of finding a good career. However the recent rise in the cost of school, college and university fees, on top of increasing living costs around the world, have taken a generation of parents by surprise.

The importance of planning well ahead to help your children avoid large debts in the future is clearer than ever before.

Yet, a good education can be a stepping stone to a satisfying career, higher earnings and a self-sufficient future, so the end results often justify the expense.

There are seven vital questions you need to ask yourself:-

  • Are your children likely to want to go to university?

  • Do your children have special talents that need nurturing at a particular kind of school?

  • Do you have a savings plan in place?

  • Will those savings be enough to combat the impacts of inflation and low interest rates as well as rising education costs?

  • Could education system changes in the region you expect to send your child to lead to costs dramatically increasing?

  • Are you confident that your savings are in an economically stable environment?

  • How do you keep control of savings against different tax regimes and widely varied national laws?

What are the typical costs of a 3 year university degree?


For example the current 2021 Foundation fees at the UK's Manchester University (one of the 24 Russell Group of universities) are listed below. You will note that dependent upon the course your son or daughter embarks upon will dictate the fees to be applied. These fees currently range from GBP 19,500 per annum for a non-laboratory degree course up to GBP 24,500 per annum for a biosciences degree.

Courses will generally take 3 years to complete.

Parents also need to factor for the additional expenses of food, accommodation, travel and all of the ancilliary costs a young student incurs. These additional expenses can easily pass GBP 10,000 per annum.

As you will appreciate a 3 year university degree course can very easily cost £100,000 / US$150,000.

Unless you are very fortunate to have capital sums available to fund a college or university degree, you will need to consider saving monies on a regular basis to meet college and degree course fees in addition to the accommodation and ancilliary expenses that run alongside college and university courses.

Typical UK University Fee Structures 2021

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Learn How Best To Fund Your Child's Education


Plan early to ensure positive outcomes.


Even a standard education now comes at a price.

if your children have a unique talent that needs a more specialist education, the costs can be very high indeed.

The UK's Manchester University 2021 fees above illustrate this point all too well.

Being clear as early as possible about the type of education your children will require, will hopefully put you in a much better financial position to save the desired sum to cover the costs of either college or university fees.

Don’t look to the short term in respect of education. Fees now will be vastly more expensive in 10 years’ time.

Seek advice about education fees savings options.


We specialise in the provision of education fees funding and can assist in advising and guiding you to select the most cost effective and flexible education fees savings solutions.

We do not however recommend the use of highly expensive and restrictive “Offshore Savings Plans” as promoted by many of the International Life assurance companies.

Click here to learn why we DO NOT recommend offshore life assurance company regular savings plans.

To save for education fee funding we recommend solutions that are:

totally transparent and avoid opaque charges

have total flexibility - increase, decrease, stop & start investments as you see fit - all of course WITHOUT cost or penalty

are non-contractual meaning you ARE NOT locked into a contract with high charges

funds are accessible at any time & penalty free

select from 5 risk graded model portfolios

invest from as little as USD500 per month

We will help you through the education fees funding process to ensure your children obtain the education you seek for them.

Contact us directly and start the process of a better and brighter education.