Sources: Mac Rumors, Seeking Alpha
quote: Only T-mobile will give you a discount on your monthly fee if you have an off-contract phone. The other carriers all charge you the same amount per month regardless of whether your phone is in-contract, out-of-contract, or off-contract. (Which should be illegal - I'm amazed the FTC hasn't taken them to task over it yet.)
quote: Also, a lot of people just flat out aren't good at math and can't figure out that $100 over two years is a small amount of money.