The 90 Day Challenge or Beachbody Challenge is based on your programs length; however, I believe you can send in your after shots after the 90 Day period to get your t-shirt. Does that make sense? A lot of coaches also offer free accountability groups to people that buy a challenge pack; however, some also offer year long groups to help you stay active all year. That is what I do because I know most people (hopefully!! lol) plan on doing the challenge and to keep working out. Does that help?
Also, it has to be paid in full when you order. The only time the payments are an option is on the infomercials and only on one product not the challenge packs. The challenge packs are slightly discounted compared to buying a workout and shakeology separately though.
Which program are you looking at? What are your goals? What concerns do you have about the length of the challenge? I'd love to help in anyway I can! I've done the challenge for TurboFire and Brazil Butt Lift. I also just got PUMP to tone up, and i imagine it's going to kick my butt!