Costa Rica is all about trade-offs between lush rainforests and downpours, but if you time it right, you get the best of both worlds. Booking your trip during the shoulder months of May or November means fewer crowds at the reserves in Monteverde and better odds of spotting wildlife without paying peak dry-season prices.
A typical trip runs around $2800 for flights, lodging, and a few guided hikes. Spreading that out over time makes it much easier to digest if you prefer not to drop the whole amount at once.
That intro window is a strict deadline, not free money, so make sure you have a plan to pay off the $2800. If any balance is still sitting there when the 18 months are up, you will get hit with interest on the whole original amount.