Third, I'm not "paying off" any phone currently. Right now I have the Samsung galaxy s. I got that in march 2012, for free. I just pay my 78 dollars per month, as per my plan, unlimited text, data, etc...
You are in fact 'paying off' that Galaxy S right now. You did not get it "free". You're rate plan of $78/mo includes $$ to pay for the subsidized phone you got for "free".
Sell your Galaxy S on Craigslist or e-bay to cover the $100 switch fee.