Yeah QT have a 6 month option, but we still can't afford it even if we pay both for 6 months - plus then it will be the same amount again at Christmas. We usually don't have two due at the same time but because we bought a new car turns out this year we do! We were going to pay one for a year, and one for 6 months then a year so they aren't due at the same time, but we didn't think it would be an issue having two due at once since both of them were supposed to be due in August, not July and we would have tax money