I got some info that Verizon Edge installment plan is 2 years of payments but you can upgrade every 12 months by trading in or paying off. Next is super confusing with Next 12, 18, 24 but I think I understand it. Apple Upgrade seems nice that it adds AppleCare Plus to phone, but I don't like that it is through Citizens Bank or something. Doesn't seem as straightforward. Can anyone explain them better and recommend the best option?