I agree that most likely your contract falls under the 3 day contract rule, and they are entitled to the payment after that time period is up.
I would also ask them about putting your program on hold-because maybe you can start it in 2 months, 4 months, 6 months-whatever-once the baby is sleeping longer and you are used to your new routine. As far as if the payment is going to be taken in bulk or in payments-that is something that you have to ask your particular center. If you talked to them about keeping the payment in the installments as planned, and just putting you "on hold" right now...I don't see where that would be a problem. I would just hate to see you throw your money away entirely-because a few months from now you might be ready for it.