Okay... help me out... I was going to stay with ATT... as was the rest of my family plan members... but then we started talking and actually agree that maybe we should switch. We are in the Los Angeles area but some of us travel a lot. It certainly seems cheaper... but what is the best way to do this and take advantage of their cell phone plans. I was going to do the apple financing... but that doesn't seem like the cheapest way with T Mo. How would you recommend we do this? I think we only have one of 5 phones in a contract right now. We all have 5s or higher phones. Please advise.... as tomorrow is getting closer. If we will regret it... just tell me... and that's fine. I am happy to stay even though our ATT coverage isn't excellent. Currently we pay about $280 for 5 phones sharing 40 GB of data.