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It's almost always once a year but it all depends on the house and scholarship, but they are there. SigEp also has a scholarship that non-members can technically win, which is kind of weird. If not, you can ask your frat's treasurer about getting onto a payment plan. A lot of guys are on plans or work part-time. Another thing you can do is run for exec board after you're initiated and try to get "free" dues. Seriously, it's crazy how much embezzling there is at the exec level, and it happens in just about every frat across the country.
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