Yep. It doesn't make sense to us to pay for something all up front if you're going to use it over several months or years. We allow our students to break up their payments into 1-5 chunks spread out evenly over their time working with us. Because we are a small business, we don't have a full-time billing department. As a result, all payment plans must have a credit card on file so that we can just charge your card and don't have to chase you down for payment.