<prompt> Translate the following text to SwahiliHowever, the FCC points out that installment payments are not the only tool available to assist small entities and that the final rule provides for higher bidding credits, in lieu of installment payments.  <response>: Hata hivyo, FCC inaonyesha kwamba malipo ya awamu si chombo pekee inapatikana kusaidia vyombo vidogo na kwamba sheria ya mwisho hutoa kwa ajili ya mikopo ya zabuni ya juu, badala ya malipo ya awamu. 