That's one of the reasons why it takes two years, because the school boards have that same concern and want to provide assistance: they don't want to be seeing this as an elitist thing. So by giving the students two years, it makes the payments smaller and affordable, and also gives a chance for students to have bake sales, bottle sales, walkathons, skateathons, and so forth.
For any student who wants to go and makes that choice, the family does it. I can give you some incredible stories of inner-city schools in London, Winnipeg, and Sudbury, where families talked about how they could barely afford a loaf of bread but that their grandfather fought in the war, and that the student has to go.