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Education in 2035: funding the degrees you haven’t imagined yet

Education in 2035 funding the degrees you haven’t imagined yet
January 09, 2026

 

On January 24, we mark International Education Day. It is a UN-recognised reminder about education and peace. It also honours learning as a tool for sustainable development. Many parents celebrate it, then feel a quiet worry. The future classroom is changing faster than textbooks can. Skills will come from labs, simulations, and real-world problems. Children may study fields they cannot name today. That may sound exciting, but it's a little unsettling too. Excitement needs support, and support needs money. By 2035, education could look less like notes and more like projects. The coming question is would you be financially ready?

International Education Day and the world your child enters

Education is the process of receiving systematic instruction, especially at a school or university. Education also shapes how children see fairness, nature, and community. It also shapes how they act when the world feels tense. The UN links education with peace and sustainable development. That message feels urgent now, not only symbolic. Climate risks are pushing cities to rethink energy and water. Health science is moving fast, with new tools and new ethics. Technology keeps shifting how people work, shop, and learn. Children will not just read about these changes. They will be asked to solve them with others in teams. They will need empathy, science, and a sense of responsibility. 

That is where education becomes a bridge, not only a ladder. A child who learns to care can change a neighbourhood. A child who learns to build can change a system. That future feels hopeful, yet it asks parents to plan better.

Education in 2035 and degrees still being invented

Parents  already feel education costs rising each year. Tuition is only one part of the bill today. Devices, projects, travel, and living costs add pressure. By 2035, learning may need specialised tools and wider exposure. A degree could include field work across regions and climates. Some courses may blend biology, data, and engineering in one path. 

Others may blend law, ethics, and technology governance into a single path. Many roles may demand portfolios, not only certificates. That can mean more workshops and more guided projects. It can also mean internships that require travel and living costs. Even local study may need better hardware and faster connectivity. The child may need mentors, labs, and collaborative spaces. Some families will manage this with ease, many will not. The gap can shape choices in painful ways. A child may shrink dreams to fit a tight budget. A parent may feel guilt for years after that. Planning early can soften that pressure, and protect family confidence.

The freedom fund and the biggest risk to it

Think of a freedom fund as choice money for your child. It supports learning without forcing a narrow route. It can fund college, a skill program, or global exposure. It can also fund a gap year with meaningful projects. 

The point is options, not pressure, not panic. Building such a fund needs discipline and protection together. Discipline is regular saving, month after month, year after year. Protection keeps saving alive when life takes a hard turn. The hardest turn is losing a parentearly. Apart from the loss of a loved one, income and savings may stop overnight. 

Bills can rush in, and goals can get postponed. In that moment, the child does not need lectures. The child needs stability and time to grieve safely. This is why a savings life insurance plan matters in education planning. It protects the plan when the planner is not there. It turns love into something practical and lasting. It makes sure the child's future is not hostage to chance.

Building the fund with a child plan

This is where a child plan can make a difference. A child plan is life insurance tailored to a child's goals. It helps you build a corpus over a chosen time. It also adds protection so the goal stays on track. You pay premiums, and the plan value can build gradually. The maturity can align with key education years. Some plans can also offer staged payouts at milestones. That can match fees, housing, and other high-cost stages. 

The life cover works quietly in the background. If a parent passes away prematurely, the child's goal does not end. Many child plans also offer premium waiver benefits. That means future premiums can be covered. The policy can continue, and the fund can keep growing. That is a powerful promise for any parent. It protects dignity, and it protects choices

Now comes the practical part, start while time is on your side. 2035 sounds far, but it is closer than it feels. Children grow fast, and costs rise steadily. Waiting for perfect clarity can become costly. You do not need to guess your child's exact career today. You only need to keep their options open later. Start with a premium you can pay comfortably. Review it when income rises, and raise it step by step. Align the plan term with your child's age and your family's needs. When protection is strong, saving feels less stressful.

International Education Day is about hope with action. Your action can be a freedom fund that grows quietly. When your child reaches 2035, they may choose new careers. Climate work, medical breakthroughs, safer cities, and cleaner energy are real paths. Your gift is not a prediction about their job. Your gift is the protection and promise that keeps doors open. Start now, and let the future feel lighter for you and your child.

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ARN: ED/12/25/29570

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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