Interesting... Okay, I use Edge Reroll twice (once for the Influence Skill Group, once for the Assensing improvement), so my total training time is now ~23 weeks or 6 months total. Also, if I adjust the Lifestyle using the Advanced Lifestyle rules before paying out for the four months after my pre-paid is up, I don't have to make any lifestyle rolls at all and I'm 2,425¥ in the black.
With that, Woofer's only got to make six composure tests.
Base cost for initiating from Grade 1 to Grade to is 16 Karma. With a Group (20%) and Ordeal (20%), then the cost for Initiating would be 16 - (40%, rounded up = 7) = 9 Karma total.