<prompt> Human: Im not sure about other carriers, but I have ATT Next which explicitly separates the cost of payments for a phone from the monthly charges for the service. Apple also offers a similar interest-free financing option for iPhone purchases.Assuming other carriers offer similar arrangements, is anyone else thinking about just paying the entire amount at purchase time rather than incurring 24 or 18 months of payments?  <response>: I have always just bought my phones outright. I guess they dont cost enough for me to want to finance them even if its free financing. 