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Dues should be spelled out during Recruitment - they are required to disclose all costs. T-shirts, etc. are usually extras and not part of dues. When in doubt - ask!
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Just a word of warning: The above advice may be good at some schools, but not at Alabama. An "average" cost is given out with the recruitment information that Panhellenic sends out to all PNM's. I don't think that any chapter gives out specifics during the recruitment process. Furthermore, a PNM who inquires too much about financial aspects during recruitment--unless the chapter is
well aware of her family's financial background-- is more likely to be cut because the chapter may fear that she would drop out due to financial reasons. It might not be fair, but it is true. I think that most actives reason that PNMs have been given estimates from Panhellenic and that if you know you can afford those numbers, you can afford any house. So, if you are going to Bama or a similar school, look CAREFULLY at those numbers you get from Panhellenic and use those as a guide. And don't bring up finances unless the actives bring it up first!