Then my oldest decided to go back after a few months. This time we had to sign a two year contract with the "association" that was located in another state. We could either pay a huge chunk up front or by the month--which was just a bit more than the old "by the week" payments. After two or three months the owner/main guy was a jerk to my oldest and my kid didn't want to go back anymore (he was in third or fourth grade). So I quit sending payments. When they dunned me, I explained. Then they explained--threatened to ruin my credit rating. So I grumbled and paid it off.
I guess they got what they were aiming for, so it was a success for them. But I bet that the institution of "lump-sum easy-payments" for lessons for the kid got a bad cumulative word of mouth. I know I griped at every opportunity--even now, 11 years later!