The iPhone XS | 512GB is $1,349.00 or $56.21/mo. for 24 mo. The current trade in value for the iPhone X | 256GB is $525.00. Probably in the for of an Apple Gift Card. Does anyone know of the trade-in value via AT&T? If the trad-in credit is the same through Apple of $525.00 and is applied towards the phone the monthly payment would be $34.33/mo.