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Can I change my $80 a month plan as well as switch phones?

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Hi! I just bought a Nokia Lumia 521 on June 2nd and I'm now on a line on my sister's account.
We both have the $80 a month plan (unlimited text/ call with 3gb of data) but I don't really call or use much data.
My Tmobile Account doesn't allow me to change my plan for a cheaper one. Am I able to change plans soon or do I have to wait until I've made my first payment?

 

In addition, the employee helping us said I'm able to return my Nokia 521 within 14 days, in case I didn't like it. I'm thinking about using an iPhone 4 instead. Do I have to pay anything as I return the Nokia? I do have the accessories that were given and the receipt. My biggest concern is switching phones!


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