For the next MacBook, do you do anything that can be classified as teaching? Apple gives a decent discount to teachers. I use that when I upgrade every few years (few is about 7-10 for me lol). Recently I see if you have an apple card they give the option of 12 no interest payments on a MacBook. I don't know if that is only in America or only for Americans. I am an American with an Apple card in Japan and it seemed to work for me when I bought the airpods a few months ago (they didn't give me the teacher discount for the airpods. bastards). Haven't tried it for a bigger purchase yet.