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I asked that at Apple Store they said no. I was gonna switch the sim to T-Mobile. They not selling any other unlocked right now. And NEXT program forbid unlocked phones

Apples "official" stance and what you can actually do are two different things. It has been confirmed that Verizon phones come gsm unlocked out of the box. The Joe Schmo at the apple is not going to know that or tell you because they don't want to confuse the non tech majority.

If you go next installment plan then you can not get the phone unlocked until you pay for the phone in full
However , once you satisfy the payments you can unlock it all day long.
 
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