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I used the Becker program and utilized their payment plan, I had to pay for the exam fees myself up front (got my NTS for two exams at a time) and luckily passed all the sections on the first attempt so I didn’t have to pay for the fees multiple times. There are also scholarships many of the large companies offer, you write an essay or whatever their requirements are and a few ppl are selected each year and are awarded the review course for free.