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A payment plan agreement is established between a debtor and a creditor, mandating the repayment of a debt per the contract's terms. This tutorial discusses the rationale for adopting payment plans, frequently used items and services, and resources for finding free agreements. Payment plans are applicable to various goods and services, typically when purchasing expensive items. They benefit buyers by easing the upfront financial burden through incremental payments and allow sellers to earn more through interest charges. If a buyer needs an item immediately, a payment plan may be the most suitable option, despite potential additional costs.
