Hi! Great choice in Excelsior! I am 45 and just graduated 1 year ago. The fees are paid as you go. There are no hidden fees. It is a little bit more expensive than a brick and morter school, but you know exactly how much it will be right up front. There may be some extra fees as you go along but they are all optional. Such as, practice tests from Excelsior, CPNE workshop (I very much recommend this), and study guides from E-bay.