I actually took t mobiles deal after I already bought out the phone out right with apple. im essentially paying 399 for a new iPhone pro.. so ic ant be mad at that. would rather pay it off completely but ill take this deal. my only concern was having the phone unlocked since I travel alot. but I was told that they would unlock my phone if I told them I was traveling. which is fine by me. ill have to pay monthly for some time but after some time I can just pay it off