It is easier to understand by putting monetary values together:
- Programs: $90 value
- Exam preparation: $49+ value
The other part of exam preparation is the study groups. From what I read from cfaspace and bbs, many candidates want to join others during preparation. It takes some time to communicate and exchange ideas, especially for someone too shy like me. Without study groups, eventually candidates can figure out difficult items themselves -- thanks to the curriculum authors and editors for the clear and in-depth text and selected practice questions. But a study group lead by volunteers who are already CFA charterholders, or work closely with them, would be great. I don't know the form of study group yet -- guess it would be one or two sessions each one hour before exam date, have people answer some questions or make some discussions.
- Apply for the Scholarship
Other scholarships from the CFAI (Access Scholarship and Awareness Scholarship) covers exam enrollment/registration and/or curriculum e-books. The "Access Scholarship" is about $500 reduction. Unfortunately, application must be submitted before Aug 15. Thanks to my employer (Morningstar), I have reimbursed the enrollment/registration fees. But for other people, students or who is under stress, this benefit can be quite useful.
- Job posting
The bottom line: a candidate membership requires an active candidate number, so it is not limited to who have enrolled in the exam.