I'm doing pay as you go at Harv's right now. It kind of runs on an account basis. So I will put $2000 on account and then when that runs out, I add more. So it's usually good to have money already saved up.
Sorry I don't have much information on schools out in Ontario. Toronto is right by the Great Lakes so that stirs up a fair amount of water I believe. You'd probably have a bit more rain, and I know a few years back they had some pretty crazy ice storms.