Dear Andrea, Without knowing a lot more about you and your family ie Ocupations,Ages and other critical data I could not attempt to advise you, It's a bit like 'self diagnosis' before seeing a doctor! We do offer a free professional advice service at Must Migrate as do some other agents. At this stage I recommend you seek professional advice from a Registered Migration Agent before your commit yourself to any financial outlay. There is 'Visa Wizard' on the DIAC site but...... It will not always pin point all your options as the Q's are pre loaded .
Dear Andrea, Normally your fees are paid up front or in stages. I have a very good contact here in UK who locates your place of study/course. He does not charge for this service as the establishments have recruiter programs. If you want more details email me at firstname.lastname@example.org and I will give you the contact info. Take care Jim Gordon