My wife went in to work this morning and was told that there may be layoffs and cut backs coming in Oct. This is bad timing as our daughter just started college. She and I upgraded to the 5. If her job is affected we will need to cut back on our spending and one place that would make sense is our cell contract with AT&T. That being said I have a few questions: If we chose to cancel our contract with AT&T, would there be one ETF or would there be one for each line? (We are on the family plan and have four phones, three being iPhones) Would we have to return the iPhone 5's that we just received? We would save around $90 a month going with ST. I know from reading on here it will work with all our phones. Would this be our cheapest route if we want to keep data?