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Opportunity EduFinance
Level 18, 100 Bishopsgate, London EC2M 1GT

Telephone: +44 (0) 7768599834

© 2026 Opportunity International Education Finance functions under its US and UK affiliates. Opportunity International United Kingdom is registered as a charity in England and Wales (1107713) and in Scotland (SCO39692). Opportunity International United Statesis a 501(c)3 nonprofit.

Your Lunch Money Can Change the World

By Jason Amoo

My recent trip to India was both fulfilling and insightful. The highlight for me was learning that the challenges that low-fee private schools face are strikingly similar across the globe. I visited several schools across Chennai, Madurai and Coimbatore, and it felt like any school in Ghana. More importantly, these schools—like many private institutions serving low-income communities—are driven by a deep passion to make education accessible. For just 30,000 rupees (\$349.26) a year, children receive books, three sets of uniforms, and access to extracurricular activities. It’s a modest sum, yet for many families, even this can be out of reach.


Now here’s the striking part: the average person in the U.S. spends between $2,600 and $3,900 annually on lunch alone—that’s 7 to 11 times the cost of educating a child in a low-fee private school for an entire year. Even globally, the average cost of a healthy diet is around $4.46 per person per day, which adds up to $1,628 annually. That means your lunch money could educate multiple children. This is where organizations like Opportunity International EduFinance step in. Their mission is simple but powerful: get more children into better schools. They do this by connecting private sector finance to education providers and families in low- and middle-income countries. The result? Millions of children now have access to quality education that was once beyond their grasp.


Before the COVID-19 pandemic, 617 million children worldwide were not meeting basic proficiency levels in reading and mathematics, or weren’t in school at all. Lack of access to quality education perpetuates poverty and inequality, generation after generation. For families with irregular or seasonal incomes, paying school fees upfront is a major hurdle. School Fee Loans offered by EduFinance help parents spread the cost of education, ensuring their children stay in school throughout the year.


In many underserved communities, low-fee private schools are the backbone of education. They fill critical gaps where public systems fall short. However, these schools often operate with limited resources and struggle to improve infrastructure or hire qualified teachers. EduFinance’s School Improvement Loans are designed to change that. These loans help school owners invest in essential upgrades—building classrooms, improving sanitation, hiring teachers, and purchasing learning materials. In Ghana, for example, School Leadership Academy workshops have connected over 450 low-cost school leaders with financial institutions to help them grow and improve their schools.


Access is just the beginning. Quality education is the goal. EduFinance’s EduQuality program supports affordable non-state schools with training, resources, and local expertise. Using a Teacher Mentor model, over 6,000 mentors have been trained to coach their peers, improving teaching practices and student outcomes.The results speak volumes:
•    82% of schools in the EduQuality program report improved education quality.
•    59% of teachers have improved their teaching practices.
•    Students in supported schools show measurable gains in learning outcomes.

 

A Global Impact Fueled by Small Contributions

A group photograph of school leaders and participants at School Leadership Academy in Ghana. Photo Credit: Jason Amoo/Opportunity International.

Opportunity EduFinance has reached over 17.1 million children across 32 countries, working with 205 financial institutions and disbursing more than $1 billion in education loans. These numbers are staggering, but they’re built on the foundation of small, consistent contributions—like your lunch money.

Imagine this: the cost of a meal could help a child stay in school, receive quality education, and build a future filled with possibilities. It’s a small sacrifice with a monumental impact. Education is not just a government responsibility. It’s a collective mission. Whether you’re a donor, educator, policymaker, or simply someone who believes in the power of learning, you can make a difference. And yes, consider donating your lunch money—it might just change the world.

In this compelling reflection, Jason Amoo, Marketing and Communication Manager, shares insights from a recent visit to low-fee private schools in India, drawing powerful parallels with similar institutions across the globe. The blog highlights the stark contrast between the cost of educating a child in underserved communities and the average global spending on lunch—revealing how small, everyday expenses can be redirected to create life-changing impact.

Through the lens of Opportunity EduFinance’s work, the piece showcases how School Fee Loans, School Improvement Loans, and the EduQuality program are transforming education access and quality for millions of children. With over 17 million children reached across 32 countries, the message is clear: even modest contributions, like your lunch money, can fuel global change.

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