NOVELTY - The system has a warm leg (104) connected to a geothermal heat pump (102), where the warm leg is covered by ground to collect heat from the ground. A cold leg (106) is connected to the pump and the warm leg, where the pump is connected with an inlet duct (110) to draw cool air into the pump. A sensor e.g. warm leg sensor (120), is connected to the pump to detect the amount of the system in operation, and a calculating unit calculates a periodic usage fee to a user based on the amount. A turning off unit e.g. air filter (118), turns off the pump when the periodic usage fee is not paid.    USE - Geothermal heating and cooling system i.e. geothermal heat pump system, for use in a building.    ADVANTAGE - The turning off unit turns off the geothermal heat pump in a timely manner when the periodic usage fee is not paid by the user, so that a vendor can turn off the system. The utilization of the system is made based on a long-term contract between the vendor and the user, thus providing benefits, where the user need not pay for installation of the system, the vendor receiving a long-term predictable stream of income, the user and/or vendor taking advantage of financing and tax incentives for the installation of a clean energy system that replaces a fossil-fueled furnace, the user controlling the amount of pay by changing the amount of usage, and providing incentive for conservation and turning down the heat or air conditioning while the building is unoccupied.    DETAILED DESCRIPTION - The turning off unit is a flow meter, an air filter or geothermal heat pump sensor that are an electric switch or fluid valve. The sensor is selected from a group of a flow meter, a temperature sensor, a pressure sensor, a timer and a power meter. INDEPENDENT CLAIMS are also included for the following:    (1) a computer storage media comprising a set of instructions for calculating a periodic usage fee to a user    (2) a method for providing a geothermal heating and cooling system.    DESCRIPTION OF DRAWING(S) - The drawing shows a schematic view of a geothermal heating and cooling system and apparatus.    Geothermal heat pump (102)    Warm leg (104)    Cold leg (106)    Inlet duct (110)    Air filter (118)    Warm leg sensor (120)