At 13 both of mine went to school in South Africa for a term. They went with another child on the aircraft to Joburg and changed to fly to another airport. They spent a term at a much stricter school with new children, teachers, strange curriculum and managed to get home again safely. I did not pack them off at a young age and they loved school. If you end up being educated at home, then probably boarding was the wrong choice. I made the point about oar dung just to explain how we approached university. I was not intending to say state school children could not manage. That is clearly rubbish.
I do not suggest for one minute that state school children are not resilient. However, they do have parents who can hover, and some do, at every opportunity and some do not have to do much for themselves. Nearly every day child has an adult reminding them about taking in the PE kit, the correct books and checking up on their homework.
I totally recognise children with SEN need a different model of university education. I think though, that fees have made a difference to expectations at university. Also, although parents vent on MN, often it seems to stem from the belief their child cannot and will not cope with the new situation. I tend to have the expectation that they will cope. I think most people have this expectation but some clearly have children who are molly-coddled at every turn.