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it is always a wiser choice to just buy the phone outright. once you upgrade your plan, you can only go higher and never lower. yes, the subsidized phone may seem cheaper, but you pay more, alot more, in the long run.
87$ after tax is 10$ more per month. over your 2 year term, thats 200$ + you need to pay an early HUP fee. thats 422$. save up a bit more coin and then get the phone. you're already more than half way there. and you get more data by staying on your current plan.
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