The most common and most likely answer to this crossword clue is the 4 plus 6 letter word SKIN DIVERS
I've seen this crossword clue in Independent
S
K
I
N
D
I
V
E
R
S
Buddy explains!
The straight part
We know that "They may come across a school" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case they may come across a school = skin divers.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.