school fees

Q: I have a query regarding the payment options of my son’s school fees. Please advise whether the following option is permissible:

Pay in full by the first Friday of February and receive a 5% discount. This amounts to R12 350 for the year instead of R13 000 if I have to split the fee over each school term or per month. The various payment plans are as follows:

1. As detailed above with 5% discount = R12 350 per annum

2. An amount of R3250 per school term = R13 000 per annum

3. An amount of R1300 per month for 10 months (Jan-Oct) = R13 000 per annum

Q: If a child below the age of puberty is in a fee paying Islamic school but because of the inability of the parents to pay the fee, the school is collecting zakaat to cover the fees. Is this permissible if the said parents are not eligible to receive zakaat and is our zakaat honoured if we donate?