Answer:
They have pay initially the down payment of 5% and the first month's installment.
Explanation:
Micah and his cousins plan to all chip in to get their grandmother a $610 Christmas present.
They make a down payment of 5% and pay $90 a month after that.
If the payments are due at the beginning of each month, then they have to pat the first month's installment with their down payment.
That means they have pay initially the down payment of 5% and the first month's installment. (Answer)