Usually the orthodontist will ask you to make a larger initial payment to cover the costs of starting treatment, X-rays, and the application of braces. Then the orthodontist will usually let you budget the remainder of the balance. The orthodontist cannot finance the entire treatment, because the orthodontist incurs considerable costs when he or she first starts a new patient and he needs to recover those initial costs. However, once you pay for those initial costs, the orthodontist will usually let you pay for the rest of the treatment in instalments.