I think I may sit on this until Monday, and then head over to the credit union. Even if the contract is reasonable (it seems a bit odd to me, but again, I don't really know) it makes me uncomfortable. If I can just do a loan through the credit union then I can give her one lump sum and have him here in a week.

I think for his level of training the price we've agreed upon is more than reasonable, it's just the terms I don't like. If I can't go through my credit union I may well amend the contract and see what she says.