We have been on a plan for both of our daughters.A custom payment plan (300 units each). I works out pretty good for us, the grandparents pay for 6 payments each year(3 per child).It was 61.00 per unit when we signed up

I am not sure that its a good deal, but the wife sleeps better knowing we are doing something.

And with the payment plan, it keep the extra crap down during Christmas and birthdays. There are 7 grandparents, so at first we would get burried in presents. Now we have them make a GET payment.