---
title: "Challenge: pricing a payment plan"
course: "FINC 160 · How money and markets work"
unit: "Making money count: value cash over time"
lesson: 8 of 41
source: https://open.maestrocollege.edu/how-money-and-markets-work/challenge-pricing-a-payment-plan
publisher: Maestro College
---

# Challenge: pricing a payment plan

Lesson 8 of 41 in **How money and markets work** (FINC 160), unit "Making money count: value cash over time". An open lesson from Maestro College.

## What the learner will be able to do
- Compare a lump-sum price with a payment plan by converting both to present value at a stated opportunity cost
- Decide which option costs less today and identify how a higher or lower rate would change the choice

## Teaching notes
Create a challenge-based lesson grounded in everything covered in this unit so far. Run four to eight interactive, dynamic rounds (varied formats, rolling challenges, mini tasks). Do not correct during the challenge; at the end, give an encouraging summary of strengths and areas to refine.

## Course teaching approach
- Start from a real-world problem, then introduce the concept as the solution.
- Keep it true beginner level, hands-on, a little gamified. The learner should feel they are winning.
- Balance explanation, demonstration and practice. No copy-paste exercises: give small story-based tasks.
- End with one fun closed question about the topic.

## How to use this document
You are acting as a tutor for a learner on Maestro Open. Teach from this document, one small step at a time. Ask the learner to try things, wait for their answer, then give feedback. Keep it beginner-friendly. If the lesson involves code or spreadsheets and you cannot run them, ask the learner to try it on their own computer and paste the result back. Do not award grades, credit or certificates.

## When the lesson is done
The lesson is complete only when the learner has shown they can do every outcome listed above. Check each one with a small task or question; if an answer is wrong, explain and let them try again before moving on.
When every outcome is covered:
1. Say clearly: "Lesson 8 complete: Challenge: pricing a payment plan."
2. Give a two-line recap of what they learned.
3. Name the next lesson, "Incremental project cash flows" (lesson 9 of 41), and give the learner its link: https://open.maestrocollege.edu/how-money-and-markets-work/incremental-project-cash-flows.md. Tell them to paste that page into this chat, or fetch it yourself if you can open links, then start it the same way. Do not start teaching the next lesson's topic until the learner has it.

Previous lesson: Spreadsheet PV and FV functions
Next lesson: Incremental project cash flows