Perhaps it could be an option to choose a lump payment at any time with the caveat that you don’t receive the monthly amount until you’ve caught back up. Like you can do monthly payments as default, but if you have enough savings and want to make a larger purchase/investment you can take a lump payment of 3, 6, or 12 months and then go back to monthly after that time has passed. Some people may prefer to take a lump sum every 12 months too, everyone handles finances differently.