You can get a total of the scores for calculating the class average when you read the file in the first loop.

Code:
class_average = 0;

for(index = 0; index < 10; index = index + 1)
{
	in_file >> firstname[index];
	in_file >> lastname[index];
	in_file >> test_score[index];

        class_average += test_score[index];
}

// now calculate the average
class_average /= 10;