1). It's structured. You plan to meet people to learn at certain times, so it's easier than going it alone and being tempted to slack off.
2). You need some mentoring/personal guidance along the journey to make sure you're on the right track.
These are helpful, but I don't see why you need to pay $10,000.
Organize a like minded group via meetup.com. Ask experienced people to volunteer to help plan curriculum, to provide once a week mentoring sessions (people will help for free).
And there you go, same thing but no debt.
Important: Be honest, do you really have some natural interest/drive to do this? Really tough if you don't. Also it will take a lot of hours but if you persevere you'll make it.
Also important: There is almost never snobbery about education or "in crowds". Maybe what the author meant is that you will lose repect quickly if you're not prepared. If you are prepared and a hard worker you'll be welcome even with a GED.