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PO Box A524
Sydney South NSW 1235, Level 11, 227 Elizabeth Street Sydney NSW 2000

Telephone: 1800 812 164

© 2022 Opportunity International AustraliaABN 83 003 805 043

Rewrite the future through

School fee loans make education more accessible, while loans to schools help leaders provide higher quality education to their communities.

3 out of 5 children miss out on quality education.

3 out of 5

For those living in poverty, quality education is far too often a luxury that families simply cannot afford. Although government schools are often low-cost or free, many suffer from overcrowding, underfunding, chronic teacher absenteeism, strikes or bureaucracy issues that make it nearly impossible for students to learn even basic literacy or numeracy skills. Low-cost, entrepreneur-run private and community schools are a fast-growing solution, but come with issues of their own – school fees and textbooks are expected to be paid as a lump sum at the start of the year, a sum that can be too costly for families living day-to-day.

That's where education loans come in.

Small loans help by giving parents the option of paying school fees and associated costs for uniforms and textbooks up front at the start of the school year, allowing them to pay this back in small, regular instalments. School fee loans make school fees manageable, encouraging families to prioritise their children's education and providing the tools to do so.

School improvement loans help create quality classrooms in low-cost community schools, allowing school administrators to improve the quality of education they provide. Alongside the funding that allows them to invest in better infrastructure or resources, school leaders are supported to continually improve the quality of the education they provide through Opportunity's EdQ program.

With access to quality education, the next generation has the chance to break free from the cycle of poverty for good.

As of June 2021, we're helping 

111,541 families

use loans to educate their children in India, Indonesia and Pakistan

On a road in Nagpur, India, Madhuri walks her children to school. They are dressed in freshly pressed school uniforms, their large backpacks engulfing their tiny frames. Ria (4) and Yesh (5) are two of the only children in the area able to attend a community school. But Madhuri has always wanted her children to receive a quality education, and Opportunity’s school fee loans have made this possible.

Madhuri and her husband Ajay are determined that their children get to choose the lives they want to live – unlike themselves. Both parents work very long hours – Madhuri in her sewing business and Ajay seven days a week in a factory, as well as working as a night watchman after hours.

But the family still struggled to afford regular meals and the rent on their tiny basement home. They squirrelled away every spare rupee, hoping to save enough to pay for the tuition and uniform costs that every school—public, community or private—requires. The large sums due at the beginning of each school year used to fill them with dread.

But news of the Opportunity school fee loan brought hope. Madhuri and Ajay excitedly applied and were approved. The loan immediately made school fees manageable, with only small instalments due each week instead of a lump sum at the start of the year.

Madhuri and Ajay make it a priority to meet their loan repayments every week – they plan to take out another school fee loan next year, and one after that. Ria and Yesh love learning the alphabet in their kindergarten. Yesh loves playing cricket and dreams of becoming a policeman when he grows up. Madhuri used to worry about how they would afford to pay for him to stay in school long enough to achieve his dream. She doesn’t worry about that any longer.


Opportunity International US implements the Education program in 25 countries and along with Opportunity International Australia, is part of the broader Opportunity International Network. 

Opportunity International Australia provides funding to support the Education program in five countries in Asia.


You can help today.

Each $10 you give can reach 1 child with better education in Asia.

Donate today to help Opportunity International Australia provide access to better education so that more children can reach their potential and live empowered lives, free from poverty.