I’m on the upgrade program. Don’t think you can pay it off like that. The whole point of the upgrade program is so that people keep buying Apple phones while not needing to pay upfront.
yeah, that's what I figured. I may still do it. At least for one year. So if I get the plus and love it, I will just pay it off and own it or if I am not a fan of it, I can swap it out in a year and once I find a phone I love, I will just pay it off.