Hi fellow mommy, Elsa. Essentially, it is really up to you, i mean what your mommy instinct is telling you. Sometimes kasi though we may be able to save money, kung we aren't satisfied of the services of a school parang baliwala din yung na save natin. Baka lang kasi a school might appear to make you save financially pero in the long run, di naman niya ma-enhance/develop yung abilities of your child, lugi ka pa rin. Or might be talagang di pa suited yung child mo for nursery class. Syempre iba-iba kasi ang needs ng children according to their age and development.
Although I think there was an article here in Smart Parenting about everything on school education for play school, nursery, kinder, etc. It may help you weigh your options. Perhaps you can also check on the internet (research) on what you child's current development stage is, then compare it to what level of education is best fit for him/her.You may ask questions to schools yours considering too. You have all the right naman to inquire, don't worry. Para din you'll know what the required abilities or knowledge level for a certain education level, and what the "course syllabus" can offer to a child.
I kinda understand your situation. Last year my 2nd child was 4 yrs old, for the SY 2011-2012, we were considering 2 schools for him. School A was willing to admit him as kindergarten student already so long as he takes the summer prep class. School B wouldn't admit him as kinder yet but as nursery student for the same school year. School B didn't have summer classes. So, what we did was, we tried school A, and had our kid take the summer class but didn't hastily enroll him yet kasi we wanted to evaluate the school (services, teaching, structure, etc). After the summer class and much thinking later..we decided to enroll him to school B.Even if he was admitted as nursery student, it was ok with us, despite the chance of being able to save fees for 1 school year...