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Again I could be wrong but I think it breaks down this way:

For example the ATT individual plan of 300MB a month (or any individual/family plan really can be combined with this) it’s like $70 / mo I believe. Maybe $60 I can’t remember.

I don’t think the other big companies compete greatly with each other in terms of this monthly price though.

On top of that if you want to finance the phone it’s an extra $30 a month. To pay for the phone over the life of the contract. If you just by the phone it’s still the same price for the plan. That doesn’t change so it’s not like you are paying extra for the plan by financing the phone.

So you’re just paying it off in installments. Otherwise you can pay up front for the phone at the start of the contract. If you break the contract before its up either way you have to pay for the balance left on the phone. It seems though you get a better deal if you pay for it upfront, because it’s lesser then and you still get to keep it at the end.