I would like to get a Creative Cloud account but can't afford the year up front. It doesn't make sense that you offer a monthly account but you don't allow people to pay monthly. You should word it annually instead of monthly as that is very confusing to most people, because you are in fact not offering a monthly account when you are requiring a year up front. You could get sued for this type of wording.
Sincerely,
Meg Prentice