$14k? Not unless they changed it since I enrolled. I did have to pay a deposit but it was "only" $5k. I admit I was annoyed because they had just bumped that number from $3750 IIRC. So you do have to front some cash but nothing approaching the full eventual cost of the program. (Again, unless they changed it, which would make me a bit sad if they did. I like that lowered-risk, alignment-of-incentives model and it would be a shame if they had to abandon it.)