A funeral bill is a stack of separate purchases, and only one of them is non-declinable. Here is how to read the list the way someone who signs it monthly reads it.
A funeral bill is a stack of separate decisions, not one price. Here is how to tell the required line from the four that are yours to accept or refuse.
The four year degree is treated as the safe choice and the thing to do while undecided. It is a large commitment and it deserves to be chosen rather than defaulted into.