<prompt> Human: 4 months ago I purchased a new iPhone SE from the Apple Store,, and agreed to the ATT financing during my purchase, and I am making a 15 payment each month. So far Ive paid 60.Ive decided to end my ATT service because I am switching to a cheap calltext-only prepaid plan with a feature phone for 10 a month.But the 14-day return period on the phone has passed. I want to return the phone to ATT and stop making payments on it, but they are saying I cant do that.Ive seen this phone on Craigslist for 150, I dont want to take that huge loss if I dont have to.Whats my best option? Ideas? Suggestions? The phone is almost brand new.UPDATE:Thank you everyone on your answers here its been very helpful. Im really kicking myself for agreeing to a 450 phone thats actually only worth 100. I did not price compare or think through this purchase, I made the purchase quickly after my previous phone got run over by a car. Only to 4 months later realize I have a major addiction issue to my phone and therefore want to get rid of it.So my options are:- Option A: Continue paying 60 a month for just talk and text on my current iphone, plus 20 a month on installments- Option B: Pay 390 right now and pay off the phone, sell the phone for maybe 100, and pay 11 moving forward on Tello. already bought flip phone for 60Its a shitty situation as I dont have much money, but if I extrapolate this out over 6 months:- Option A: 480- Option B: 356So I guess I need to just pay off the phone and be done with it.  <response>: Whats my best option?Your only option to avoid collections is to pay off the phone. 