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We had a payment plan, but it was only available (per national rules, not our bylaws) to initiated members--which meant that the new member fees and first semester dues had to be paid in full.
I paid for my dues through my summer earnings and being an RA--but then, my dues were only 250/semester.
If the money is such a major concern, perhaps it's best to sit this year out once you know a little more about what your financial situation is like.
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