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Back to school in Spain: OCU estimates around €500 in upfront costs per child – money-saving tips and loan schemes

For the start of the 2026/27 school year, the OCU puts immediate costs at around €500 per child. The consumer organisation recommends buying early, reusing items and using textbook loan schemes.

For the start of the 2026/27 school year in Spain the OCU estimates that immediate costs per schoolchild will be around €500. The figure covers typical purchases such as clothing, exercise books, pens and, where required, tablets or laptops. Including ongoing costs such as school fees, after-school activities or parents’ association contributions, the annual total could rise to around €2,000 per child, according to the OCU. Many households traditionally feel this peak as the “cuesta de septiembre“.

The Organización de Consumidores y Usuarios (OCU) stresses that the figures are averages based on surveys. Costs vary considerably depending on the type of school (state, concertado or private), age group and region; they are generally lower in state schools. Media reports, including those by Cadena SER, cite spending in several regions of more than €500 just for the start of the school year.

To ease the burden of the “vuelta al cole”, the OCU recommends practical steps: bring purchases forward and spread them out where possible, check what is already available at home, and reuse items that are still in good condition. Second-hand options and swap meets or second-hand markets organised by AMPA can significantly reduce the cost of exercise books, rucksacks or sports clothes. Textbooks are a particularly significant expense; it is worth checking regional programmes for “Préstamo de libros”, that is, textbook loan schemes offering free or reduced-cost use. Arrangements vary by Autonomous Community; advance registration or deposits are common in some cases.

Digital equipment should also be bought selectively: only what the relevant school authority explicitly requires is necessary. Comparing prices and avoiding branded products can cut the initial bill. For consumables, the OCU recommends sharing bulk purchases with other families and not necessarily buying everything at the start of the school year.

Immediate September costs tie up cash and hit families with little financial headroom hardest. Where effective loan schemes, social funds or local-authority grants are available, the peak is lower; a lack of support increases short-term financial needs. Administrations are under pressure to provide clear information about application deadlines and eligibility requirements well in advance. For parents, careful budgeting and using “Préstamo de libros” and AMPA initiatives can significantly ease the cost of the “vuelta al cole”.

Editor: Daniel Mayer (Article created with AI assistance).

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