The debtor can't afford to fund the plan with equal payments each month. However, the debtor receives a substantial bonus at the end of each calendar year. The best option is to

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A step plan allows for adjustments in payment amounts over time, which can accommodate the debtor's ability to make larger payments after receiving an annual bonus. This makes it a suitable option for someone whose income fluctuates or has a predictable increase at certain times of the year.

The Debtor Can't Afford to Fund the Plan with Equal