I am currently stuck under a family plan with a 5 year old iPhone 5s that has a faulty digitizer (when screen brightness is increased, pink and red lines vertical lines populate the screen). The insurance would give the 5s or 6 depending on what is in stock, but I don't want the 5s again and I don't like the 6 form factor. That leaves an insurance upgrade out of the question for me. When I go to the AT&T store their prepaid plans are modest, but still pricey to me. Who would pay $30/mo for a gigabyte of data? At the same time they offer the SE at around $200 under these plans. Verizon is even more ridiculous and I didn't even consider their offer. For a phone that's almost 2 years old and is supposed to be an "entry level" iPhone, why does it have a premium price? What's the easiest way to get this phone under a reliable plan, as cheaply as possible? It also helps to know that I don't have credit and am not really interested in the installment/rent-a-phone programs, unless that's the only viable option.