if they want you bad enough, yes, airfare and apartment costs are paid for you up front (otherwise don't bother). HOWEVER you usually pay it back with jobs. Correct me if I'm wrong because I was far from the real deal HF girl, but this was the case for me with a China contract. I did not do well and didn't earn enough to pay back my "expenses", but I didn't have to pay them back. I try and look at it as an awesome, free 3 month trip to China with free food, drinks, shopping money, plane ticket and accommodation, but needless to say it disheartened me enough to "retire" right after it, at 22. It's not a story I admit to many people!