YOu need to prepay your 2024 maintenance fees in order to borrow StarOptions. You also must call in to make the reservation. I think they can do the prepay and reservation all in the same phone call but the one time we did it, I paid online a few days early. Also not, if your trying to borrow from an every other year ownership, it won't work as you can only borrow into a use year. If you own annual, then it isn't a problem.