You get charged every time you test for a new belt. The fee is $60.00 They give you a new belt and a video to learn the new form. If you midterm meaning you don't advance to the next belt you just get a stripe then you pay half. At my school they do not have you midterm until Brown belt (unless you are a child, then there are more midterms)but that may be changing. When you get to Brown belt you have to do at least 2-3 midterms before you get to red and 2-3 midterms until you get to first degree blackbelt recommended. They have different programs as well. The basic program is only good for a few months and then you must upgrade. At my school the Blackbelt club will get you to Brown Belt. The Masters club will get you to first degree Blackbelt decided and the Leadership program will get you to 3rd degree Blackbelt decided. In leadership there is a leadership class where you learn extra things such as grappling and you do more weapons training. If you want to go higher then 3rd degree then you have to go through instructor certification. we learn the sword, numchucks, bo staff and Kamas, and the smaller stick as well