Great question. You may complete the Level I: QI-50 training before the 12 months of payments are done, however we will wait to send your official graduation and final documents until final payment is received. You may ask for a pay off amount if you would like to finish early. You may also begin Level II: QI-100 even before receiving your final documents for Level I: QI-50, but will not be eligible to graduate from Level II: QI-100 until you have officially graduated from Level I: QI-50.