I benefitted a lot from Clarion way back in 1980, and not only as a aspiring writer--it really was a life-changing experience . . . and not only because it was my introduction to that force of nature known as Lucius Shepard! I attended fresh out of college--it was my gateway into the adult world, a gateway that, it's quite clear in retrospect, led me down a path I'm still following today.
Scholarships are available to help with the money. Time is probably the most difficult commitment for those with jobs and families. But people make it work somehow every year. Maybe this is your year to be one of them!