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Payment plans versus paying upfront
Funding & Fees · updated 2026-09-07
Instalment plans advertise as interest-free. Some are. Check the total.
| Option | Total on a 1,200 course |
|---|
| Upfront | 1,200 |
| Upfront with 5% discount | 1,140 |
| 6 instalments, no fee | 1,200 |
| 6 instalments + 25 admin fee | 1,225 |
| 12 instalments at 8% | 1,296 |
Before choosing
- Ask if an upfront discount exists. It often does and is unadvertised.
- Check for setup and late fees separately from interest.
- Confirm what happens to access if a payment fails.
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