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Why is it so much?

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I Have a question and I am confused about something.  Does anybody know why it costs so much to terminate your contract early when you have less then two months left?  I'm on a plan with my sister & brother in-law and their contracts are already up and I only have 40 days left on mine.  Why would we have to still pay $200 to cancel my contract?  We have been with t-mobile since Aug 2011.  They want to switch companies so, it's cheaper to afford phone service instead of having to pay all these fees if our account is suspended and what not.  If anyone could help me understand it would be greatly appreciated.


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