You are either exactly the right person for this contract or exactly the wrong one. There is no middle ground at Level 4.
The principal is significant. The interest rate is the highest of any tier. The final month will demand more than half of the total repayment across four payments. The structure does not soften at this level. It sharpens.
If you have climbed through the lower tiers to arrive here, you have already repaid over eleven thousand dollars across nine months. If you are entering directly, you are making a claim about your capacity that the contract will test.
Purchase the contract, sign it, pay.