<prompt> Human: Im considering this. Right now I probably pay 60mo for my phone and Im hoping to get to 10mo.But I dont want this to be a penny wise pound foolish idea. What are your thoughts?  <response>: I tried this once. Turned out I did kinda need it for my job, and the in-store representative lied about the actual monthly price. Was told I would be going from 120 per month to about 60-70 a month. Kept getting charged for 90 a month. Customer service said that was the cheapest it would ever get. 