A lot of people have been pushing off AT&T Next as an instant ripoff, but never look further into it. Things have been said on the forum such as "you can't pay it off" or "you can't sell the phone and pay it off" which is completely un-true. Every AT&T rep I've spoken to said I can pay off the phone at anytime. Here is an example: You buy a 16GB iPhone 5s on AT&T Next, it's $0 down, sales tax due upfront. There are 20 monthly payments of $27, totaling $540, which is $110 less than full retail price. After 12 months, you are eligible to trade in the phone for a new device. The payments on the old device are waived and you select a new device. Or, AT ANY TIME, you can sell the device or pay off the remaining balance. Let's use this as an example; you bought the iPhone 5s on AT&T Next and have made 12 payments of $27. That totals to $324. You're eligible to trade in the device and choose a new one, OR (like at any time) pay off the rest of the device and be eligible for a new two year subsidy or AT&T Next program. You can sell the device after it is a year old for let's say (give or take) $450. You still owe AT&T $216 for the device. You sell the device, make $450, pay off the remaining balance, and come out ahead $234, which you could put towards a 2 year contract or another AT&T Next plan. How is this "such a rip-off"?