I don't pay for online games, including rpgs, but there are many good ones online for free, I'm currently playing.

Diablo1 (still good online)
Diablo2
WOW lvl 20 cap trial
Shaiya
Eden Eternal (one of my favs)
The Lord of the Rings Online
Mabinogi
Atlantica online
Dragon Nest

If anyones playing any of these games let me know, you can download most of them online for free, so if you're interested in playing any of them let me know please.