7.1.8
Annexure B
p. 41
Education
Education. This could include day care, crèche, Public/Model C Schools, Private Schools or tertiary education in SA. If Private Schools are used the Debt Counsellor is encouraged to explore the possibility of less expensive schooling. In some cases the consumer might select to reduce expenses in other categories but not schooling. Where this is the case consumer choice should be considered.
NDRC Practice NoteLast reviewed 2026-04
What this means in practice
School fees are allowed at the actual fee schedule. Where fees are unaffordable, the consumer is expected to apply for a fee exemption under the South African Schools Act, regulation 1052 of 2006.
Drawn from NDRC's active case work. For your situation, see our debt counselling overview.
Cite this clause
National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.1.8: Education. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 41.Related clauses
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7.1.9 Consumers may apply for subsidised school fees
Based on NCR Guideline 001/2015, p. 41. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.