My iPhone 5s was stolen, it was on a 2 year contract that's about half way through. On my AT&T plan I have 2 iPhones, contracts running at the same time, and an iPad. All on 20GB mobile share (doubled from 10GB to match T Mobile). Total monthly is $141 with my employer FAN. Target near me has iPhone 6 in all flavors in stock. What's the best option for me? I don't like the idea of 'renting' a phone via Next. If you keep it 2 years do you still end up having to return it or is it just if you want to upgrade every year? On the AT&T website it says it'd be $550 for a new 2 year contract for the 64GB iPhone 6. Alarmingly it says it may change the plan. I'd rather pay $550 and commit to another 2 years and own the phone at the end, not to mention it seems cheaper? AT&T Next with 24 installments works out at $750 vs $550 (and then would you own the phone?) What am I missing?