They’re not offering a discount.
Even small retails stores do this with pricing.
Quick example
Training course is $78k with already a decent profit margin.
For marketing purposes we’ll go for $89,995 then offer you a 10% if you enroll before a certain date or if you pay in advance.
This fake discount can also be used to get stragglers to sign.
Here is the problem with paying in advance and this was the case with at least one of the usual suspects in Florida:
The money you’ve paid is being used to pay other expenses then your flight training.
From an honest business perspective there is no need to pay in advance.
With one notable exception which is paying in advance for the flying you intend to do that day or couple of days.
Show up at 7:45am, check the schedule with your instructor and the flight and ground time in advance. That is a perfectly reasonable way of ensuring there are no issues with credit cards, bank account transfers or whatever.
Even as a private pilot student you can easily spend $1000 a day.
Back to the previous usual suspect.
They may be behind on fuel bills, rent, insurance payments or employee payroll.
They may use it for airplane purchases, real estate, vehicles or else.
So by the time you’re finished with your Private training your $98,000 is already spend.
There is no way they can pay you back because they do not have the money.
Places like this do not put your money in an escrow account that you have partial control over.
You have to consider the following:
Once separated from your money consider it gone never to be seen again....