I think it is 30 days in advance, and you can't be paid in full. Some of us offer on board credit, and we can check for better pricing and make adjustments if the price drops. Some agents charge service fees or pad their commission, some of us do not add any fees or add on to our commission. Make sure you find someone who will work with you and be there to answer all of your questions. The Big Box stores offer nice perks, but they won't walk you through all of the nuances of cruising or call Royal Caribbean for you when you need help. You will be doing all of the work, and they will be taking your money. Find someone who will help you, who will reach out when important dates approach, who will take the time to answer your questions. You won't be sorry!