The best way to pay for an Apple device via installments is with the Apple Card.
The Apple Card offers 0% interest installments along with 3% cash back on Apple devices.
For more information on the Apple Card, see here: https://card.apple.com/
To apply for the Apple Card, click here: https://wallet.apple.com/apple-card/setup/feature/ccs?referrer=cid%3Dapy-200-10000045
Also, you should know that there are special discounts on Apple products for students.
For education pricing, see here: Education Pricing and Student Discounts - Education - Apple
To add on to that, Apple is offering a $150 gift card for anyone who buys a Mac with Education Pricing. This offer is available until 9/30/2024.
There really has never been a better time to buy a MacBook!
Hope this helps.