Along the derail, my solution to that would be either guestimating how long it takes to get 1st dan, (lets say 2 years for math purposes), after the first year I know if I want to continue till then. So I start putting money away, an extra $60 a month, along with the $30 a month for testing until then (assuming test every 2 months to get to black belt). That's $90 that I'm putting away, bringing it to $180 a month, for the second year, and 120 a month the first year. Not sure how long you spend at each 1.x for black belt, so can't add that math in.So we have Dan ranks and Gup ranks. The next Dan is how many gups you have. I think of it like application versions. You have Black Belt 1.0, 1.1, and 1.2, then upgrade to 2nd degree (2.0). Then 2.1, 2.2, 2.3, and now I'm 3.0.
It does a few things. It breaks up the curriculum into smaller, more manageable chunks. At the black belt level our school includes additional forms from what Kukkiwon requires, as well as some hapkido techniques and weapon forms. It also helps break up the time between degrees. So students who have to wait for the year or so until they're eligible to advance still feel like they're progressing.
There is a fee, but the fee is similar to that for a colored belt tests. Beginners have a $40 fee, intermediate a $50 fee, and advanced have a $60 fee, black belt gup tests are $70. Our tuition + test fee is competitively priced with other schools in the area. (You have to consider the whole package if you're going to look at costs).
The killer on the wallet isn't the gup tests, it's the Dan tests. Those are around $700 for 1st degree and more as you go up. But included in that is an embroidered belt, a new uniform (which are usually $150 by themselves), semi-private lessons with the others testing for black belt, and the Kukkiwon registration, which I understand from other threads here can be quite expensive on its own.
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Before we risk de-railing the thread (although it's run its course for it's main topic, so we might as well), as I said above, you have to factor in all the costs students pay. So if you have two schools that test every other month, and one school is $110/month, and the other is $90/month and $60 per belt test, which is better?
Well, the second school, if you test every testing period, you're paying an average of $120/month and advancing quick. But if you test every 4 months you're paying $105/month. Every 6 months you pay $100/month. So there is some variance in how much it will affect your monthly cost.
I haven't personally priced out the other schools in the area, but I've had several students tell me that when they looked at the total cost for tuition, tests, and any other fees, that our school was the best price.
If the school is worth 120 then 180 a month to me, and I can afford that, I would pay it. But to me, I'm paying for instruction, not a rank. So in general I would rather pay X amount a month for instruction, which I care about, and 0 for a rank, which I don't care about. There's also a chance that I will stop at 1st kyu, and not advance beyond that, rather than pay $700 to say "I am a black belt". I can still refine my technique regardless of the color of the belt around my waist, and by the time I know all the material up to black, I should have enough material to keep me busy for years, if not decades.