With Leaving Certificate results and CAO offers just around the corner, the countdown to Freshers’ Week for new third-level students is on.
September doesn’t just spell an emotional milestone for families. It’s a big change financially too. Here’s where to start.
Apply for SUSI now, even if you’re unsure. The late application window is still open, and it’s worth applying regardless of doubts about eligibility. The income threshold has risen for 2026/27, and thousands more families now qualify who might previously have ruled themselves out. Every little helps.
Know what’s actually changed on fees. The Student Contribution charge has been permanently cut by €500, down to €2,500 for the 2026/27 year. It’s worth remembering a separate once-off reduction applied last year too, so compare carefully rather than assuming this year is automatically cheaper than the last.
Budget beyond the fees. The actual college fee and accommodation are only part of the bill. Transport, books, societies and the simple cost of day-to-day life adds up fast.
Sit down and do the sums together. Most colleges offer budgeting tools and student money advisors. Irrespective of that, bringing your son or daughter into the conversation around the dinner table creates clarity and transparency. That way, you’re all on the same page and you’re early building a habit that will serve them beyond Freshers’ Week.
Don’t leave grants and bursaries on the table. Beyond SUSI, many colleges run access bursaries for students from under-represented backgrounds. It’s worth five minutes checking eligibility rather than assuming it doesn’t apply.
For Galway parents watching CAO points and rents in the same breath, the message is simple: start the money conversation now, not in the scramble of registration week.
