with the koodo tab its only 10% of your rate plan going towards your tab monthly so if your on a low rate plan it takes awhile to pay off. so its will not be paid off after 3 years it could sometimes take longer then three years to pay off your tab completely. hope this helps
You still don't HAVE to stay until your tab is paid off. If you really want to leave, go ahead, you'll just be charged for any remaining tab balance on your final bill. Of course if you decide to upgrade using your available tab, as of July 14th, 2013, the tab gets wiped after 24 months.