It’s 33% paid off, going through apple’s motion I clicked no trade in, no Apple care, etc, signed up for AT&T financing and agreed to pay for the taxes separately. Then the carrier settings prompted me about the current iPhone “trade” in condition and told me they would require it back. The customer agreement made no mention of the 11$ (41$ for the 1tb) monthly price for the current iPhone trade in as seen on the website.
I’m getting the feeling this is specifically through Att.com and not Apple.com
When I did on att, they automatically selected the trade in because they would credit me the $1,100 from my current phone.