You probably need to study at least 2 to 3 hours outside of class for every hour spent in class. Your time is managed by teachers and parents. You manage your own time. You need money for entertainment and special purchases. You need money for everything, including basics.
Textbooks are free.
The school loans them to you. Textbooks are very expensive. You buy them and may be able to sell some of them back for a percentage of what you paid. Parents and teachers provide a lot of guidance. You will be faced with many new moral and ethical decisions.