I'm currently on old legacy data and minutes plan which is destroying my wallet. I guess it's time to jump ship to ATT Next. My question which I can't seem to find the answer to is, lets say I choose to elect the "upgrade in 12 months" plan for iPhone 6S which means I pay 12 payments of $27.45 and then I can turn the phone in and upgrade next year (equates to $329.40 total). Like many, I don't like carrying debt, so rather than spread it across 12 payments, I just want to pay the $329.40 outright so I'm good to go. And then still reap the benefits of discounts on mobile share plan due to next upgrade. I don't want to pay the phone off entirely (20 installments @ $27.45), I just want to pay off what I need to to upgrade, but right then. Is this possible? Has anyone successfully done this? Thanks for your help!