I ended up finding a solution using code from @ aniket-sahrawat with a little tweaking
Here is the code if someone needs it in the future ...
<?php
$fees_so = $form_data_fees['field']['4'];
$words = filter_var($fees_so, FILTER_SANITIZE_NUMBER_INT);
$nf = new NumberFormatter("en", NumberFormatter::SPELLOUT);
echo $nf->format($words);
?>
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