I completely agree with Syag L’chochmah on this thread (as I often do). There has been a lot of let-them-eat-cake commenting going on here.
The very home costs that gavra mentioned should answer his question. If a person is making less than 100k annually and had to get a house for over 400k, then the money is going towards the house! And, there’s no way they’ll have 10k+ leftover per year for tuition!
The reality seems to be that frum communities in the US are either in areas where you have to be a millionaire, or areas where you have to worry about your kids being stabbed.