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I'm crashing, too.
Also, what is included in first semester dues? Is that just dues, or is it parlor fee, initiation fee, badge fee, etc.? If some of the money is going to HQ, some is going to the chapter, and some is going to the house corps, there may be different levels of flexibility therein. If she is having trouble with one-time up-front fees, she may be in a better situation than in she is going to have trouble with her financial obligations every semester.
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