I stand by my statement, but it's your decision and as long as you're comfortable with it then it's the right decision.
I have to admit - I'm biased. As an undergraduate member I see no benefit to waiting, in fact I think fraternity membership is an excellent way to become acclimated to campus, develop a social circle, and become involved in campus life. By all means become as involved as you want to; I wholeheartedly encourage it, but don't discount a fraternity as the first step to it.
If dues are an concern, you need to think seriously about your financial situation. It's not likely that things will change in the future that make dues a non-issue. Even if you save up through the fall to pay for spring, you may be in the same predicament in the next fall. I pay my dues myself, so I sympathize, just make sure it's something you can manage for the rest of your college career before you get into it.
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"Delta Chi is not a weekend or once-a-year affair but a lifelong opportunity and privilege"
- Albert Sullard Barnes
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