This may or may not help... when I took my test in 1986 there were schools to teach to pass the test. It was well worth it, it enforces your discipline to study (I am too lazy to study) by taking the classroom format, also we had several mock tests and that's a MUST if you want to pass right away !!
If you do pass the test what does that do to your status as far as having to pay additional cash for services? Does it matter if your an online trader? How does it effect your taxes (both positive and negative aspects)? thx