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Yes — several Australian states offer assistance programs. NSW offers the $150 Creative Kids and $100 Active Kids vouchers (for school-aged children). QLD offers the Education and Training Allowance for eligible families. The federal government's Family Tax Benefit (FTB) Part A includes a Schoolkids Bonus for eligible families. Some schools also have hardship funds or payment plans. Contact your state Department of Education or Centrelink to check your eligibility.

Most schools have a second-hand uniform shop run by the P&C/P&F, often open at the start of term. Facebook groups and community boards frequently list used uniforms. Some schools partner with uniform companies that offer layby options. Buying at the end of the previous school year (January sales) can also reduce costs. For growing children, buying uniforms one size up at the end of summer can save money the following year.

The most effective approach is to calculate your annual school costs and divide by 52 weeks. Set up an automatic transfer to a dedicated savings account — even $30–50/week covers most public school costs. For independent school fees, most schools offer direct debit payment plans spread over 10–12 months. Some schools also offer a small discount (typically 1–2%) for annual upfront payments. Starting a high-interest savings account in January for the following year's January costs is a good habit.