It does, very few parents can afford to give a 100k loan, that's a massive leg up most have no access to.

My old school district has one middle school and one high school, and pushed out the one of the best teachers I've ever had. That said, an organic chemistry class was offered, thanks entirely to the efforts of another great teacher.

I never had any real choices in my grades 6-12 education so, to me, being in a position to choose a school with a curriculum catering to one's interests and talents does seem to be a privilege many people take for granted.