I'm not getting a straight answer from the fine folks at Apple: I'm guessing they need to keep their lips sealed? I'm looking to buy out of my AT&T NEXT plan because my 64gb 6plus is out of storage, and I'm going to be going to Europe in a few weeks. So, I noticed the Apple Upgrade program had mentioned the phone is unlocked at one point, but when you ask an Apple rep, they say it has a Sim, but they don't say if you can swap it out with another carrier's sim (Say I go to London, can I pop in a Nano-sim from there, instead of dropping a couple hundred on an AT&T passport plan?). So, if I decide to go with the Apple Upgrade plan with an AT&T phone, will the phone really be unlocked? And as long as I have your attention: Since I still have 2 months on my AT&T Next 12 plan: can I still make payments on that device until I feel like I want to buy it out? Or would I need to make the payment immediately?