Hallyho high school is the only private high school in town. students pay a substantial tuition to attend this school. schooling there is considered to have

I believe the answer is: exclusion and non-rival shared consumption

In this context, exclusion refers to the act of limiting the school membership to a certain social group (would most likely the children that come from non-wealthy family). Non-rival shared consumption in this context refers to fact that if a certain members of society use the school service, it does not necessary make any difference if other members use it too since it's not something that could out of order.

Iwould think a loan officer but i'm not sure