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Hi from Just Answer. I'mCustomer and can assist.
the two payment streams you are outlining can receive the same tax treatment. If you take the same monthly payment amounts from both, you will have the same tax liability.
However, there is a different tack that I think you are asking about.
I accepted your phone call request, but customer service needs to contact you.
I have contacted site management about the issue; they will be in touch with us both shortly.