What am I missing here. I just ordered an iPhone 6s 64GB from T-Mobile today through their JOD program. Details: $99.00 down $19/month x 18 months $182 buyback after 18 months Total cost of ownership: $623 (~$127 off retail price) No surprise there - everyone knows the JOD price is a decent discount to keep you w/ T-Mobile for 18 months. But here's the surprising part - I asked the customer service rep if I could 'pay off the phone early'. He said sure, you can pay off the remaining lease payments + buyback at any time. So - next month I could pay it off and I'll own an unlocked iPhone 6s for $623? What am I missing. Has anyone else heard that early payoff is an option or was this rep mistaken?