We moved out of our immediate social circle and sent our DDs to Private schools, one from the age of 7 and the other from the age of 11. These decisions were based on the quality of our local primary which was on the slide. DD1 had the best teachers but they left and the Head was useless. I didn’t want to wait around for the big problems looming on the horizon for DD2. We paid out of earned income. We eventually had two at boarding school, so it wasn’t cheap. Boarding suited DD1 more then the local grammar. DD2 wasn’t going to get to the grammar!
If people cannot respect you for your choices and drop you, they are not real friends. They subscribe to a class system where no one gets above their station in life. My MIL said I was uppity and above my station. My Dad and uncles and aunts had a Private education so I felt I could make decisions that suited my children.
However, at our prep and senior school I wasn’t aware of anyone scraping the fees together at the time. No old bangers either. The slightly older cars were driven by the nannies. If it’s a very expensive school it tends to put off those that scrape the fees together.
However, at the senior school, I discovered later, some parents had owed money for years whilst still getting new cars and apparently having good jobs. I have to say the wealthiest had drivers, new Range Rovers and certainly were rather snooty in some cases. The guy with the new Rolls Royce was friendly though. I came to the conclusion that many people are tribal and know each other through work and connections, eg they shoot together or play polo together. So they are not going to be your best buddies, probably. The secret is to keep your powder dry about money and see who is friendly and wants friendship. Sometimes parents all know each other and don’t want anyone else. Others are friendly, especially at prep, and it’s easier to make friends because you will have a pta and some people will be seeking friends for their children. The upper class (and those that think they are) don’t, by and large, because they already have their own set and they are tight knit. They will control what friends their children make should you come across them. Your kid wouldn’t play with Harry and Charlottes of this world for example. Play is highly orchestrated by some parents.
However at a fairly straightforward prep, parents are straightforward too. Yes, some will have money, but others won’t. The ones in it for the long haul will have funds (probably) to enable this to happen, but others will see the grammar as the prize. The big problem comes if you don’t get the grammar.