What Is the “Second Tuition”? Have you ever used a store-bought brownie mix? (I’ll confess, I have.) The thing is, the boxed brownie mix is the most important part, but it does require a few additional ingredients to mix in and make it “complete.” Similarly, you may think signing a check for your child’s tuition is knocking all their expenses out in one fatal swoop of a pen, but in actuality, there are many hidden costs that come with private school. Extracurriculars, uniforms, travel, and community traditions (hello, senior trip) are just a handful of examples.

While some of these expenses may be optional, many are socially expected—leading your child to tell you they “need” xyz just like how I “need” extra chocolate chips in my brownie batter. Are they technically required? No. But do you enjoy the overall experience as much without them? Also, no. These expenses that go beyond the sticker price of tuition are often called the “second tuition.”

Unpacking Hidden Costs
Private school is an investment. And just like any good investment, you need to be aware of all of the factors so you can make the best decision—and budget accordingly. So let’s break down a variety of costs you may face.

Athletics & Travel Teams
The benefits of playing sports are manifold: According to the National Library of Medicine, organized sports “assist in breaking the vicious cycle of inactivity and unhealthy lifestyle by improving caloric expenditure, increasing time spent away from entertainment media, and minimizing unnecessary snacking.” Basically, sports get your body moving and give you a sense of purpose—not to mention the soft skills, social skills, and team spirit that develop.
 

So it should come as no surprise that the National Federation of State High School Associations (NFHS) reports high school sports have been drastically increasing each year since the pandemic, hitting a record high in 2024–25. Many students attend private school specifically for the athletic advantages it provides them, including greater playing opportunities, recruiting and college exposure, and experienced coaching staff. Sometimes, athletic programs are included in tuition; nonetheless, competitive teams like “club” sports often carry extra fees, such as:

• Seasonal travel (hotels, airfare, meals)
• Additional training, clinics, private coaching
• Equipment and sport-specific gear
• Uniform upgrades or “optional” spirit wear

If you’re hoping to get the most out of the athletic programs offered at the private schools you’re interested in, be sure to consider these expenses before signing on the dotted line.

Arts, Activities, & Academic Add-Ons
Every parent wants their child to thrive, and one of the best ways for them to discover a sense of community and belonging is by getting involved in extracurriculars—especially in the arts. The NLM states that participating in extracurricular activities in high school is “associated with positive academic outcomes, such as higher grades and an increased likelihood of pursuing a postsecondary education.” The arts teach students critical thinking, problem solving, and allow them the freedom to think creatively.

Private schools are known for offering many unique, creative programs that they strongly encourage their students to participate in, including art, theater, and music programs. However, since private schools’ art programs do not receive direct funding from the state, there may be additional fees that you may not think of when registering your child for all of the above. Fortunately, state-funded programs like Louisiana’s LA GATOR scholarship program enable families to use money set aside in education savings accounts (ESAs) for various private school expenses. Regardless, don’t underestimate the “participation tax” attached to your talented or highly involved student. Here are some costs to consider:

• Theater production fees, costumes, makeup
• Musical instrument rentals or private lessons
• Debate tournament travel
• Robotics or STEM team supplies
• Photography or yearbook fees
• AP/IB exam fees

School Travel
I’m a firm believer that seeing the world and different cultures changes your world perspective. Private schools often provide incredible opportunities for students that public schools do not have the flexibility or capacity to offer. Whether it’s a short-term study abroad program, a mission trip, or the class ski trip over MLK weekend, these experiences are memorable and popular among peers. They’re often framed as “life-changing,” and while this may be true, the tagline makes it emotionally harder for families to turn down. Not to mention the class senior trip… The solution isn’t necessarily not for your student to travel—but if the financial burden is too much, try having a conversation with your teen about ways they can contribute to help cover the travel costs.

Social & Community Expectations
If you have a teen, you already know: Kids are expensive, and the price tag on their fun only seems to increase in high school. From homecoming attire to the newest iPad or laptop—even the ACT-approved calculator and lab fees add up fast. Add in uniform replacement costs and suddenly you’re looking at a very expensive Visa bill. “Keeping up” can feel exhausting, not to mention financially draining. If you’re feeling discouraged, check out these tips.

Practical Tips to Affording Private School
• Start early and ask questions—many schools adjust prices based on financial need or offer scholarships.
• Request a full, itemized “expected annual expense guide” from the private schools you’re considering.
• Calculate a “second tuition” category in your budget.
• Set aside 10–30 percent of base tuition, depending on the school.
• Discuss extracurricular priorities with your child before over-stacking commitments.
• Set boundaries with your student and with yourself. (So hard, I know!)
• Talk openly with the school about financial aid options for trips/fees.
• Explore tax-saving options like ESAs.

If you’re wondering if private education is worth it and how much it will actually cost you, you need to factor in the hidden costs that aren’t as straightforward as the website’s “tuition” sheet. Equip yourself with realistic expectations so you can make informed choices that support your budget, your student’s well-being, and your family’s values.