If I have a Samsung galaxy s3 with a tab of -100 and I want to upgrade it to a iPhone s5 do I need to pay off the tab AND pay for how much the upgraded phone costs ? What are the steps ? I know I have to pay off my current phone but do I also pay for the new phone ?? (Ex. If the iPhone says 200$in store for 3 year contract ) would I have to pay that 200$ and go on that contract ? Or is it just a easy switch? Sorry i'm new to this !