Other than a factory reset is there anything else I need to do to the phone so that messages or find my iphone are not locked to me? I bought the phone on the iphone upgrade program. From what I understand all phones sold under this program are unlocked? They also come with applecare+ as part of this program. Is that transferable to the new owner? And finally, can that loan to citizens one be paid off in full should I sell the iphone? I did look on my account and there's no option to pay it off or even alter the payment amount. And I didn't see anything in their FAQ about that. I can call them when I have time but it won't be until next week. Thanks!