Right now you can go on T-Mobile's site and pay $145.99 "up front" for an iPhone 5. Then they bill you monthly until the phone is paid off. My mother is looking to switch to T-Mobile, and I told her to wait until the 5S. Has anyone heard whether or not this type of pricing will be available at launch? I haven't heard anything out of T-Mobile yet, and the Apple website just shows the full price unlocked version. Thanks!