Knocking around 40 months off of the term will save them a bit in admin costsa, as well as the "bird in the hand factor", so it is usual to round that figure down a bit (but, of course, the closer to what they are expecting in the long run, the better the chance they will accept).
The lump sum will have to go to McCD direct from the family member and your IP will check the source of the funds and the donors identity.
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