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Depends on the sorority for the most part. I know mine has several payment plans, and in rush I learned lots of others do too! Almost everyone had some option that wasn't the lump sum, and treasurers are willing to help. Don't ask about finances right away, it can look bad. I'd ask at the end, as I can't speak for every chapter and it's options. Just make sure you know how much new member dues are before committing, but almost all have some type of plan from what I learned. Good luck!