Greece is best in late summer when the islands are warm and the crowds start to thin out. You get clear water, ancient ruins, and enough time to explore without feeling rushed.
Booking in early spring helps you lock in prices before the rush. If you have the $3200 cost in mind, we can map out a way to pay for it without the typical stress of a lump sum payment.
The 18-month window is a deadline, not a gift. If you still have a balance left when the time is up, the bank will start charging interest on what you owe.