M.D.
While it would be great for her to go to private school, financially it might be best for her to go to public. There is nothing worse than money stress on a marriage, especially with a new baby coming!
IMO, through working with the junior high kids are our church, I realized that no school, private, public, or homeschool, will guarantee that your kid will turn out right. It doesn't matter how sheltered or unsheltered they are, it all comes down to their family life at home - the family unit as a whole. Parents who are involved with their kids day to day, who put them first as much as they can, who lovingly discipline them...this is what it is all about!
Just my two cents for what it's worth!
I will pray that whatever decision you make, you will have peace about it!
~M.