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Again, it depends on who you're talking to. Many of the "top-tier" schools in the US now realize that they've overpriced themselves out of the middle class, so now they have income thresholds. For instance, if your family earns less than $100,000 total in your senior year of high school, many of these schools allow you free tuition (but not free room & board, books, and travel). If you still had an issue securing financing, you could get a federal loan from the government. If that still didn't cover your expenses, your last resort would be a private loan.

And again, it depends on who you're talking to with regards to being "SAT score obsessed". A growing number of schools are throwing out the score because many have found that it isn't a good indicator of whether or not a student will be successful at that school or not. Rather, admissions officers look to see if a student took upper division courses (e.g. AP courses and IB courses) as well as taking the corresponding tests for said courses. While a majority of schools have begun to throw out AP and IB scores for college credit, they look to it to see if a student is willing to take on the additional academic burden. Its the same with the SAT. The score has dropped far down on the list of criterion when determining who should be admitted. At least, this is true in the top tier schools in the US.

lol, Stanford is on the QUARTER system, an academic schedule infinitely better than the semester system. I never did coke. I never failed (I graduated, tyvm), and I don't work at a bar.