So let me throw out a scenario. Lets say I am interested in the samsung galaxy s6. The retail value is $700+. I could purchase that phone for $0 if I use a large plan and pay$21 on top of that for 24 months ( or ) until the tab balance reaches $0. That makes the phone valued at $504. Would that mean, if I so desired to pay off my whole tab soon afterwards, I could essentially buy my phone for $504... Would that then cancel out the extra $21 monthly charge and allow me just to pay for the monthly plan?