I'm on the deferred payment plan and I remember paying $5k in Aug, then monthly from Sept to Dec. Do I pay another $5k in January? I thought there is supposed to be one month when we don't pay. Also, do I have to enroll in the deferred payment plan again? It doesn't say on my CARS statement how much I have to pay to enroll in monthly plan. It just says $6.5k due now and $6.5k due later.