If my memory serves me, I believe that if you pay $69.99 to $99.99 a month for your cell services, then you will be eligible for a fully subsidized phone after Month 18 of your 24-month contract. If you spend more than $100 on your cellphone bill, then your eligibility is 12-months. If you spend under $69.99/month, then your eligibility would be 21-months.