I took the AOW from my local dive shop but it was all inclusive. It's home study then a Q&A session/written tests and then the dives. My shop lets you borrow the books for free as long as you don't write in them and the AOW card was included. I didn't ask if I could get a discount if I waived the new card and waited for Divemaster but it was a pretty good deal. $279 which included a boat trip and rental tank/weights.