Srinagar, Oct. 31 -- The beginning of a new academic session brings excitement and fresh hopes for children. New classrooms, textbooks, uniforms and the promise of another year of learning create an atmosphere of enthusiasm. For children, moving into the next class is a moment of happiness. However, for thousands of parents in Kashmir Division and the winter-zone areas of Jammu Division, this transition also brings a familiar financial challenge. Behind every new school bag, set of books and uniform lies a story of adjustment, compromise and silent sacrifice.

The expenses associated with a new academic session are no longer limited to school fees. They begin with admission or re-admission charges, monthly tuition fees, annual charges and...