EXACTLY. I've been posting in numerous threads about this. This NEXT plan is not some good deal. So many people are like, "Oh I'll get the 128GB blah blah because it's only $5 a month more!".
Uh, no. It's the same price as buying it contract-free, unlocked etc. You're just paying it over 18/24 months. And there's NO $25 saving by going with NEXT over a subsidized phone. AT&T is just ADDING $25 to the subsidized plans to make it LOOK like it's a DEAL to go with NEXT/Mobile Share.
It's a crock. AT&T is going to make a fortune with this because they've essentially eliminated subsidized phone! There's no deal anymore!
e.g. you sign up for a 2-year contract with AT&T. You pick the iPhone 6 Plus, 64GB, which is $399, subsidized. Then you have to pay $25 a month PENALTY fee for 24 months, which is $600 overall. That makes your $849 (off contract iPhone 6 Plus 64GB) phone $1,000 overall. Total rip-off.
Of course, I've accepted the days of subsidized phones are over. The smartest decision is to just buy the phone outright, unlocked, for e.g. $849 for that 64GB iPhone 6 Plus. Then you have no contract, and an unlocked device for the EXACT same price as you would get it for through the NEXT program overall.
The NEXT program just takes advantage of weak-minded US residents who don't understand math, and can't figure out that you pay the same amount overall. It also takes advantage of this credit-card generation that is happy to put anything and everything on a credit card so they can have it now.
There's NO deal here, people. Do the math!