(I added the bold.) This is inherently conflicting to me:
What cost are you paying up front? If it's $0, then that's not paying up front. If it's full price, then the cost isn't $0.
- The cost is $0.
- I still have to pay the cost of the phone upfront.
Many people in this thread (C DM, dinostars, vertical smile) and myself are still confused about your options. Your question implies that your options are (1) to pay the full up front cost or (2) get on a payment plan. Yet you've repeatedly verified that your options are (1) pay full up front cost and keep grandfathered service and (2) pay full up front cost and move to a more expensive service.
If you could explicitly state what exactly is going to allow you to pay for the iPhone's initial purchase price on a monthly basis, it would be helpful and add clarity to your options.
I’ll price it out online later and post a screenshot to show what I mean. I’m at work right now.