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What's the monthly fee for EQ?
14.95 /month also tier'd pricing for longer time periods
Similiar to most MMORPG's, but with some more complexities in some areas. You have a race and class (whcih can't be changed). You fight mob's for XP and loot. There are quests available, but there is no quest screen that keeps track of where your are.
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Do I need to mortgage my life to get anywhere?
Depends on where you want to get. To be able to play with the Audes, no. If you want to get to the endgame, be prepared to spend LOTS of time.