especially those without sufficient knowledge, who delight in scarmonering with assumptions that any school offering a discount is on the verge of going under and that paying up front is never an option
Sadly most people here have sufficient knowledge to know not to pay up front. Ask why a school would offer a huge discount? Do they get their fuel cheaper if you pay now? No. Indeed fuel is on the way up, constantly it feels like, so unless their hedging their bets it will drop and they'll profit then they are shooting themselves in the foot selling a service now which will cost them more in 3 months time.
I remember a school I did PPL training at offering a fantastic deal in a CPL IR. Pay up front. I didn't. They went bust weeks later taking around 6 people's money. Look at highland flying school. Busy school, reasonably priced. It went under taking a lot of cash too.
What school is it? You having nothing to lose by telling us?