I'm setting up 5 paid plans for a large medical association. Members pay more year after year until they are "Full" members at 5 years. They currently use all manual registrations via checks, snail mail, and hand-entered credit cards. They want to keep everything the same with regards to the options with which member can pay. Here are their current payment options:

1) Save $50 by paying with check before a deadline

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(all the rest after deadline)
2) Pay in full with credit card
3) Pay in full with check
4) Pay over 3 installments with credit card

My questions is how to go about setting this up? My plan right now is to have 5 parent plans (for years 1-5)and set up each different payment type as a child plan. Should I make the Parent plan free or use the most common type of payment option for it? This will be up to 20 plans - is that going to be really complicated to my users?

thanks - so when you say make the Prent Plan free, does that mean they will actually show as having 2 Plans?