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Cancellation question.

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I have an annual plan where I pay $20 a month for Photoshop on the cloud, but I don't ever use it. I'm only half way through my subscription, and from what I've read even if I cancel I have to pay 50% of the costs regardless.

 

I was wondering if this is paid for straight away, or still monthly, paying $10 every month rather than $20, because I'd really like to cancel it since I've been too busy to draw, which is what I bought PS for. In cancelling the plan, do I have to pay $60-70 dollars straight up or will it just continue to take $10 from my account each month?

 

Thanks.


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