Just a hunch, but that extra 2.5 hrs of training will cost you extra money. Some gyms have the girls doing TOPS even buy a "team" leo. I would ask if every girl that does the program will get to test. Some gyms get selective on who they will send to testing and I think as a parent you need to be aware of this.
The testing is only done in the summer, so your dd will test in June/July2011. Some states offer multiple test dates and others only 1. Yes, you have to pay to test. If she will turn 8 before the end of 2011 then she will test as an 8yo, if not then a 7yo. Right now, the 7yos are given recognition of their results by being named to diamond team(highest scores) etc---no travel to national testing. This is the 1st year they are letting 8yo go to Houston for national testing and from some posts by coaches only a handful are going.
For the younger girls the focus is only on strength and flexibility. Some kids love the training, others don't like it at all.
Some gyms love the TOPs program, some dabble in it and others never do it----it is not required by USAG. The advantage is working on strength and flexibility with younger girls which can never hurt. Some gyms just incorporate the TOPs stuff into their regular team training.
As far as qualifying to the national testing, it is how your dd's score stacks up against every other kid her age in the US that tested.
I know there are some other parents on here with alot of experience wtih TOPS, so hopefully they can add to this.