A big big thank you to both of you for your input! I am more than willing to commit to taking and paying for as many years of Karate that my daughter would like to take. She has enjoyed it and I love seeing her committing, improving, build self confidence, etc. All the reasons I am sure others do this for. Its a great sport! But a FIVE year contract is sooooo long to buy into for a ten year old. What if she loses interest, we move, etc. Also not offering any other options.....not cool at all. I have paid about $1200 + $40 for each graduation ceremony (from white to advanced purple). It includes unlimited classes (but we go about 2X a week) and a outfit. So the $6100 (graduations would be extras) includes outfit, unlimited classes (and 10% interest on the fee over a 48 moth period) and be good from advanced Purple to 2nd degree black belt (they say it could take 5 years but the price is the same no matter how long it takes). They also put pressure on you to join now by offering you a discount of $1,500 (the $6100 is with that discount!) but if you wait it goes away and you have to pay all of it (so it would be closer to $7,600). I would be fine paying per month, buying in for 6 months...heck even a year. I would pay $100-$130 a month even. Buts its the 5 year contract ($600 down upfront) that is so concerning. (fyi, I am in MN/twin cities area. There are other places but my girl hates change and I so don't want to see her lose interest. But I think I need to start looking for another place). Thanks again everyone!! please give me more input......I still have to convince my husband its a scam/ not a good deal. thanks!