---
title: "30 Funding the Cost of Education: High School, HECS-HELP and Helping with Education Funding for Grandkids"
description: This episode is Part Two of our two-part goal-setting series for 2026, and it’s all about what happens after the inspiration fades. Last week, we talked about why goals matter, the psychology behind them, and how to get clear on what you want through things like vision boards and manifestation. This week, we move into the real work, which is how to stay on track.
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---
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Jan 19, 2026, 12:00:00 AM
# 30 Funding the Cost of Education: High School, HECS-HELP and Helping with Education Funding for Grandkids
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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Welcome to the back to school edit! In this episode we take a step back and look at the real cost of education, including the mindset behind how those decisions get made.
In this episode, we break education spending into three key stages:
- **High school education costs** — what families really pay under the public system, Catholic schools, and independent schools, and why high school is often where education becomes a meaningful cashflow decision.
- **University costs and HECS-HELP** — how much a typical degree costs, how the HECS system works, and the long-term impact of paying upfront versus carrying education debt.
- **Helping the next generation** — the role parents and grandparents often play in funding education, and how options like education bonds can provide a structured and intentional way to support future learning.
Throughout the episode, we come back to the mindset piece — the psychology of competing priorities, finite resources, and the expectations we carry as parents and grandparents. Education decisions are rarely just about numbers. They’re about values, roles, and choosing how your money supports the future you care about.
If this episode sparked a thought or a conversation, please share it with someone navigating school fees, HECS decisions, or supporting the next generation. And if you’d like help understanding how education fits into your broader financial picture, Helene and Naomi are here to help - reach out via the website: [www.hermoneymatters.com.au](https://www.hermoneymatters.com.au/)
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## Related posts
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## [29 Staying on Track: How to Turn Your 2026 Goals Into Reality (Part 2)](https://www.hermoneymatters.com.au/blog/29-staying-on-track-how-to-turn-your-2026-goals-into-reality-part-2)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Jan 12, 2026, 12:00:00 AM
This episode is Part Two of our two-part goal-setting series for 2026, and it’s all about what...
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## [48 The 5 Things Every Woman Needs to Know About Money in Their 50’s](https://www.hermoneymatters.com.au/blog/48-the-5-things-every-woman-needs-to-know-about-money-in-their-50s)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Apr 6, 2026, 12:00:00 AM
This week's episode is the second in a three-part series: last week was what women in their 40’s...
[Read more](https://www.hermoneymatters.com.au/blog/48-the-5-things-every-woman-needs-to-know-about-money-in-their-50s)
[](https://www.hermoneymatters.com.au/blog/09-its-my-life-the-goal-setting-episode-to-dream-it.-plan-it.-do-it)
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## [09 It’s My Life - The Goal Setting Episode to Dream it. Plan it. Do it.](https://www.hermoneymatters.com.au/blog/09-its-my-life-the-goal-setting-episode-to-dream-it.-plan-it.-do-it)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Aug 25, 2025, 12:00:00 AM
It’s my birthday week, and every year I use this moment as my own personal checkpoint — a time to...
[Read more](https://www.hermoneymatters.com.au/blog/09-its-my-life-the-goal-setting-episode-to-dream-it.-plan-it.-do-it)
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