Oh yeah I'm fully aware of that, but the fact that you can initiate an entirely new IUP loan online but not do a "new loan" online on upgrade makes little sense. Especially when the various carrier programs allow you to do that already. All they need to do is tell you "you have X days to return the old phone, we'll give you a pre-paid shipping label. If you don't return it in that period of time, the balance of the loan is due in full immediately." I don't see why they need you in person for a guarantee. They have the only program doing this...