Sorry everyone for asking this, but I honestly could not get a straight answer looking online nor do the people at the verizon store and bestbuy appear to give me a straight answer. I am just wondering if paying up front actually costs less than paying the monthly installments. Or are the monthly installments just taking the price of the iphone and dividing the payments into 24 months? Are there added fees or hidden costs that. although small for each monthly payment, will add up over time? I'm trying to figure out which method of buying is the cheaper when all is said and done. TIA.