High cost of returning to school
Families are reportedly spending on average 400 euro per child for returning to school.
Uniforms are the most expensive items, coming in at 229 euro, followed by books at 182 euro, according to the Irish League of Credit Unions (ILCUs) research.
Almost 90% of parents want to switch to laptops and e-books in the classroom to save cash.
ILCUs chief Kieron Brennan said some families were forced to get into debt or dip into savings to afford the costs.
Mr Brennan said: "The cost of school-going children to parents is considerable and can put significant pressure on household budgets and the ability of some families to pay their essential bills.
"This iReach research shows us that there are significant numbers of parents using their credit cards and using their savings to pay for their child's back-to-school needs, with many parents feeling that the back-to-school allowance is not sufficient to cover costs."
The survey was carried out last month among 1,000 people aged between 18 and 65.
It also found that some 470 euro is being spent for secondary level and 320 euro for primary level.