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School Fee Budget Planner
Plan all your children's education costs — Nigerian schools 2025
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Your Children
Add each child — we calculate total costs
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Lagos School Fee Ranges 2025
Per term fees — click to use in your calculation
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Public/Govt School (Primary)
Federal/State schools. Pay mainly levies.
Free – ₦15,000/term
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Public/Govt School (Secondary)
Federal Govt Colleges (Unity Schools) charge more.
₦5,000 – ₦30,000/term
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Budget Private School
Common in mainland Lagos, Ibadan, Kano.
₦50,000 – ₦150,000/term
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Mid-Range Private School
Most Lagos Island and GRA schools.
₦150,000 – ₦400,000/term
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Premium / International
Lekki, Victoria Island, Abuja elite schools.
₦400,000 – ₦2,000,000/term
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State University
Most state and federal universities.
₦20,000 – ₦100,000/session
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Private University
Covenant, Babcock, AUN etc.
₦400,000 – ₦2,500,000/session
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School Fee Saving Tips
Smart strategies for Nigerian parents
📅 Pay annually if you can. Most schools offer 5–15% discount for full-year upfront payment. On ₦600,000/year that's ₦30,000–₦90,000 saved.
🏦 Open a dedicated education account. Put school fee money in a separate high-yield savings account or money market fund. Never mix with household funds.
📈 Start a school fee investment fund. For babies and toddlers — invest monthly in T-bills or FDs. By age 5, you could have 3–5 years of fees already saved.
🤝 Negotiate with the school. Schools often quietly offer payment plans, sibling discounts (5–10%), or extended payment terms — especially loyal parents.
🎯 Apply for scholarships early. Many schools offer merit-based fee waivers — especially for top WAEC/JAMB students. Check Lagos State, Access Bank and GTBank scholarship schemes.