Whenever I upgrade to a new iPhone I give my old one to my wife and she gives hers to our nephew. With the iPhone 7 it will be the first time we aren't on a 2 year contract. I was planning to do the AT&T Next Every Year program this time around with the iPhone 7 and then just pay off the phone next year so I could get the iPhone 8. I didn't realize that Apple has a payment plan that is exactly like the Next Every Year EXCEPT you don't have the upgrade options (which I don't want anyway) On top of that AT&T charges a $20 activation fee. So technically doing it through Apple is $20 cheaper. Anyone else doing it this way? Anything I'm missing?