who needs 40gb of Hotspot data, I'm paying for unlimited it should also be unlimited. Why can't i pay off my phone with a trade in deal. DONT DO A TRADE IN, ultimately what you want is to pay off the phone and get a prepaid plan, that is your best bet. But if you get a trade in, sure u save $800 upfront but you'll end up paying $4000 over 3 years for the service because they require an unlimited plan and you can't make addt'l payments. So you're basically paying 4k for a $1200 phone.