“Middle class families doesn’t have access to or eligibility for either.”
This probably depends on your location. Our solidly middle class high school offers free tutoring for everyone (before & after school, and all day long) as well as $60 SAT review classes (fee waivers available if needed) and free “mini courses” that meet briefly in the week or two leading up to the test dates. It isn’t the “Cadillac plan” that is private tutoring or a $1,500 Princeton Review class, but it’s not nothing either.