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Privilege exists in many forms including age, gender, race/ethnicity, orientation, identity, wealth, education, physical ability, mental health, religious affiliation and others. These factors all depend on one's location and social positioning and they all intersect. When you look at that list are all those barriers visible? No, so that also introduces the barrier of stigma. So the white kid who who can't afford to go to university can indeed hold privilege over the student of colour who has significant wealth; or he may not depending on context.
Sometimes it can be a complex thing to figure out, but at it's base privilege is an advantage or benefit you have that other people do not. In North America the most common type of privilege extends to straight white able-bodied males. Things that one doesn't even have to consider often define one's privilege, such as when you enter a building whether it has a ramp instead of stairs or an automatic door opener, or if you see a police officer whether you have to worry about getting stopped simply due to the colour of your skin. You're right that wealth can be a barrier, but it is not necessarily the the biggest factor when it is combined with other ones. In general, race and gender tend to be the biggest barriers.
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