19 January 2026
CAO 2026 Dates to Remember
Things to Remember & Do – and How to Think Ahead Financially
The CAO journey can feel like a marathon for students and parents alike. Between deadlines, course choices and exam pressure, it’s easy to forget one very practical question – how will we fund the years ahead?
To help you stay on track, here are the key CAO dates to remember, along with a reminder of how Synergy Credit Union can support your education plans.
Key CAO Dates at a Glance
20 January – Early online CAO application deadline (€35 fee)
1 February – Normal closing date for applications
5 February – Online facility opens to amend course choices (€10 fee)
15 February – Paper applications / mature student course statements
1 March – Closing date for late applications
- Closing date for HEAR/DARE supporting documentation
- Closing date for amending course choices
- Final completion of online HEAR
5 March – Late application facility opens
10 March – Latest date for HEAR/DARE documentation to arrive
6 May – Change-of-mind window opens (free)
1 July – Change-of-mind window closes
Missing a deadline can mean missing an opportunity, so it’s worth putting these dates in the diary early
Think Ahead – Planning for the Cost of College
While course offers arrive in August, college costs don’t wait. Registration fees, accommodation, laptops, books and day-to-day living expenses can quickly add up.
That’s why at Synergy Credit Union, we encourage families to think ahead.
Student Bursary – A Helping Hand
Each year, our Student Bursary recognises and supports local students as they take the next step in their education. It’s our way of investing directly in the future of our community and easing some of the financial pressure at a crucial time.
Education Loans – Support When You Need It
For families who need extra support, our Education Loans are designed with students in mind:
- Competitive rates
- Flexible repayment options
- Local, personal service you can trust
Whether it’s funding accommodation, technology or living costs, we’re here to help you plan with confidence.
Your Future, Backed by Your Credit Union
Education is one of the most important investments you’ll ever make. By keeping CAO deadlines in mind and planning financially early, you can focus on what really matters – achieving your childs or your potential.
Talk to the team at Synergy Credit Union today and think ahead to a brighter future.
Key CAO dates for 2026 include 20 January for early applications, 1 February for the normal closing date, 1 March for late applications and HEAR/DARE documentation deadlines, 6 May when the change-of-mind facility opens, and 1 July when the change-of-mind window closes.
College costs can include registration fees, accommodation, books, technology and day-to-day living expenses. Planning ahead helps families manage these costs and reduces financial pressure when CAO offers are issued.
Yes. Synergy Credit Union supports students and families through its Student Bursary and a range of Education Loans designed to help cover the cost of college.
Education Loans can help fund college-related expenses such as accommodation, laptops, books and living costs. Loans are offered at competitive rates with flexible repayment options, tailored to students and families.
Families are encouraged to think ahead and start planning during the CAO application process, rather than waiting until course offers are made, so funding is in place when it’s needed most.
Talk to the team at Synergy Credit Union today and think ahead to a brighter future.
