Well, DizMe I'm not certain. It sounds like the PP didn't intend to pay for the WHOLE AP, just the down payment, and then got stuck making the payments because they were on her card. If you plan to buy an AP voucher online, does it give you the option to do the payment plan since it sounds like you plan to make this whole purchase as a gift? You'll know immediately on the website if you can or not. I'd think the person paying has to be the CA resident, and you are....so... I think you might be able to? Just go online as if you were buying the voucher option (and not the AP for yourself option) and see if they offer the payment plan for you.