What to use: Record or Cursor?

Create a PL/SQL block to retrieve and display data for all pledges made in a specified month. One row of output should be displayed for each pledge. Include the following in each row of output:

• Pledge ID, donor ID, and pledge amount
• If the pledge is being paid in a lump sum, display “Lump Sum”.
• If the pledge is being paid in a monthly payments, display “Monthly - #” (with the # representing the number of months for payment)
• The list should be sorted to display all lump sum pledges first.

here is the table struc.

CREATE TABLE DD_Pledge (
idPledge number(5),
idDonor number(4),
Pledgedate DATE,
Pledgeamt number(8,2),
idProj number(5),
idStatus number(2),
Writeoff number(8,2),
paymonths number(3),
Campaign number(4),
Firstpledge char(1),
CONSTRAINT pledge_id_pk PRIMARY KEY(idPledge),
CONSTRAINT pledge_idDonor_fk FOREIGN KEY (idDonor)
REFERENCES dd_donor (idDonor),
CONSTRAINT pledge_idProj_fk FOREIGN KEY (idProj)
REFERENCES dd_project (idProj),
CONSTRAINT pledge_idStatus_fk FOREIGN KEY (idStatus)
REFERENCES dd_status (idStatus));

I tried to use record but seems that record is not going to work as it gives me error when the specified month has more then one pledge. Is there a way to do it using record (coz this is an assignment we take it after we covered the record)

Maybe cursor will be a good choice but due to the point mentioned earlier I'd like to know what are the ways to solve this one.