I agree that if your kid has time to do it, CTY is more affordable. Unfortunately for my overscheduled kid, she had maybe 15 minutes a week to log on, so it too 5 months to get through grade 2 -- we also had technical problems with their graphics, so we got a month of credit. If she spent even 30 minutes a week, steadily, it doesn't take so long to get through a math course. And we should have done the test right away. We wasted over a month due to scheduling and holidays.

Ren