The easier way to manage school fees

Edstart makes it easy for you to manage education costs with flexible payment plans you can control.

Why use Edstart?


Edstart can help spread large upfront school fees into more manageable payments, so that school fees don't hold back your finances.


Take the stress out of your budget

Our simple payment plans can fit around your budget. You can even lower your repayments by extending the cost to after graduation.

Get full control over your payments

Edstart is more flexible than a traditional payment plan. You can adjust your repayments at any time without incurring any fees or charges.

Benefit from a great education

We give you peace of mind that your school fees are paid to the school, so that you and your family can focus on getting the education you want.


Our payment plans can be used for any education-related expenses, including tuition fees, boarding expenses, tutoring, excursions and extra-curricular activities.

Payment plan options

Edstart provides two options to help you better manage your education expenses.

Edstart Pay

Edstart Pay is an interest-free plan that runs up to 12 months. Edstart will pay the school on your behalf every term or semester, and you can spread your repayments across the year in weekly, fortnightly or monthly instalments.



Fees and charges

Transaction fee3%
Interest rateNil

The transaction fee is added to your account each time Edstart pays a school or education provider on your behalf.

We also offer Edstart Pay+ through some of our partner schools where the transaction fee is paid by the school or education provider.

Edstart Extend

Edstart Extend allows you to reduce your repayment amount by spreading your education costs beyond the current year. You can extend your repayments for up to 5 years after graduation.



Fees and charges

Transaction fee3%
Interest rate5.90% to 12.90% p.a.

Interest is only charged on the balance of your Edstart account which has been utilised (i.e. the funds that have actually been paid to a school).

Interest rates are personalised based on each applicant’s credit profile, and are typically set between 5.90% to 12.90% p.a.

You can apply for Edstart at any time during the year with no lock in contracts. You only pay for what you use, and there are no fees for changing or cancelling your plan.

How to apply

Free online calculation

We calculate your estimated payments based on the time frame you set, with a quick, easy online application. The application process will not impact your credit score.

Receive your personalised offer

Our team will then review your details and tailor a payment plan to cover your current and future education costs.

Relax while we pay your fees

Forward your invoice to us and we will organise payment to the school. Your selected repayment amount will be drawn from your bank account periodically.

Apply now

Frequently asked questions

Once you’ve been approved and we’ve set-up your Edstart account, simply send us the invoice or statement from your school or education provider to us. We will then directly pay them on your behalf via their preferred payment method (e.g. BPay or direct bank transfer) usually a week before the due date.

Your repayments to Edstart will then occur weekly, fortnightly or monthly via direct debit from your nominated bank account. You can choose whichever payment frequency and start date that suits you best.

Edstart is designed to be much more flexible than a traditional payment plan provider if there are changes to your financial situation or studying arrangements. This is because every Edstart customer receives a flexible line of credit account rather than a fixed payment plan. You can modify your plan at any time and there are no fees or charges for implementing these changes.

Edstart makes school fees simple by providing customised plans that take into account all future education costs. A traditional loan might help with just one year of fees which would mean going to get a new loan each year, or initially borrowing much more than may otherwise be needed.

By contrast, Edstart provides a longer-term solution where future fees can be drawn down and paid to the school only as and when they are due. Your Edstart account can be used to cover all future fees, and you have the flexibility to make adjustments and cancel anytime with no penalty.

Edstart holds a credit licence issued by ASIC and maintain full compliance with all regulatory requirements.

We are a local and specialised provider founded by a passionate team of Australian education and finance specialists.

"The fact that we can pay Edstart off weekly, rather than lump sums to the school, has made a huge difference.

We've got a $30,000 year coming up when they're in Year 11 and 12, so spreading out the impact of that will be a godsend."

Louise Carriage, NSW.

Source: Australian Financial Review

Customer service is always there to help if you have any questions

Call Us:

1300 139 445

Visit Us:

80 Albion Street, Surry Hills, NSW 2010 Australia