Originally Posted by DamianJ

Do you understand what TCO means? Total cost of ownership. Take the 199, then add up the payments over two years. It's really simple.

Buy the phone outright, get a sim and a no phone deal. Mine cost me 15 bucks a month. It's very basic maths.

The telco make money because they are lending you 799 for two years. The phone isn't really 199 kid. It's 199 plus 2 years of expensive repayments!

Sorry you can't afford the money to buy yours outright. Maybe get a job that pays you enough to be able to not have to borrow money from AT&T?