Payment plan =/= financing (unless the school charges interest).I didn't even realize that was a thing for tickets. I'm not sure I'd ever consider it, granted there are people that finance couches so maybe I'm in the minority.
If I didn't have to pay interest, there's no downside in paying $120 in 4 $30 installments vs the $120 up front. If the total amount is the same regardless of paying up front or in installments, it's always to your benefit to pay the money later.