Almost 80% of parents are finding back-to-school costs a financial burden, according to a new survey - an increase of 11% on last year.
The Irish League of Credit Unions asked 882 parents about the costs.
It shows that parents getting children ready for secondary school are spending almost €1,400 per child, up €20 compared to 2018.
However, costs have reduced at primary school level - with parents now spending €949 per child (down €50).
The survey shows that the numbers in debt over back to school costs 'remains steady' at 36%.
However, there's been a reduction in the average debt from €405 to €357.
The ILCU's Paul Bailey says people use several methods to try to meet their children's needs.
He said: "People will either budget - they'll save in preparation for back to school, and they'll put a bit away each month over the year.
"Some people are using their credit card, some people are using credit unions."
He added: "Others are turning to moneylenders - we've seen a slight reduction since last year of those surveyed.
"We've also seen a reduction in people using credit cards to cover those back to school expenses."