I must have been on drugs when I signed up for the upgrade program last year. I reviewed my finances/budget today, and the loan for my iPhone sticks out like a sore thumb. I bought the basic upgrade plan for $36/month for 2 years, but I can upgrade my phone after 12 months to start a new 2 year payment plan. I'm creating a list of options for getting out of the plan to review and pick the one I like the most. My goal is to end up with an iPhone 7 and no loan , while spending as little as possible. The most obvious option is to pay the $650 balance and keep the phone. Are there any other options that I should consider? Such as transferring it to someone else and buying a used phone? Thanks in advance!