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Hi Cin,
The Ft. Collins and Loveland school districts are very good. They both score very high in CSAP year in and year out compared to the rest of the state.
I believe that each school can have their small groups of students who are snobs and bullies. However, I know that the Loveland schools will address the bullying issues when parents approach administration. Bullying is a harassment and can lead to short term suspensions, and if continued, ejection. I would think that Ft. Collins would be similar, provided there is evidence/witnesses that back up the bullying claim, and the parents follow through with administration immediately, not a weeks or months later.
Both Ft. Collins and Loveland are schools of choice, so it really doesn't matter where you live. If you live outside the schools boundary lines, and want your children to attend school somewhere else, then you merely need to inquire as to whether the school that you are interested in as room for your child to attend there.
Take care.
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