I'm intrigued by Apple's iPhone Upgrade Program with its 0% financing and you don't pay for AppleCare+ all upfront. How has it worked out for you? Do you get priority when pre-ordering? Is Apple's trade-in program fair, meaning you receive a bit less than selling on eBay or Craigslist? I'd settle for $50-$100 less than I would get from Craigslist or eBay as I wouldn't have to spend time selling it myself. Does IUP make sense only if you want to upgrade every year. I suppose you could upgrade every other year if you so choose. If the trade-in amount is fair then the only qualm I have with IUP is giving my SSN out. As we know nowadays the fewer places that know your SSN the better.