From an NPHC point of view, I think you're getting ahead of yourself. Just because you think you meet the qualifications does not mean that you will be extended an invitation for membership. As others have stated before, you won't know how you'll be expected to pay initiation fees and dues until you ask. But, I wouldn't ask this particular question at the rush. Save it for a one-on-one conversation with that person in the organization whom you know very well.
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