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confused w/ plan, upgrade etc

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hi

sorry, this may sound silly but I am completely confused over upgrade options and/or

what would be the cost for me, final, to get the new Samsung s5

 

I currently have a S3 and I believe my 2 years contract runs until October or November 2014.

 

I would like to keep the same type of plan, terms and price and I would be ok to renew it, as is, for 2 years

I would also like to get the new S5.

 

I think I understood that there is no "free" or low cost phone anymore (I got my S3 for $250?)

so my understanding is that the phone will be paid over the contract for around $25 / mo

 

is this correct ?
what are my options ?

 

I am worried about losing in particular the term and cost of the plan:

unlimited text and data + 500' free  for $85/mo

 

can you please enlighten me?

 

thanks

Phil


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