So.....to everyone that is considering AT&T Next, Verizon Edge, or Sprint Easy Pay, here's a great alternative. Instead of financing the phone through the carrier and having to follow crazy rules, why not purchase the phone outright at Walmart (24 months no interest), Best Buy (12 months no interest) or Apple (12 months no interest) and not have rules. You can pay it off early as well AND put down a down payment. Seems like the better choice to me... That's what I did. EDIT: Since people don't know, you get the same discounts whether you pay for the phone up front or finance it on the respective plan.