This was the nasty part for me. I had to explicitly contact AT&T customer service and ask them to change my account from a contract plan to a Bring Your Own Ph

This was the nasty part for me. I had to explicitly contact AT&T customer service and ask them to change my account from a contract plan to a Bring Your Own Phone plan once the contract expired in order to bring the bill down on month 25. I figured most customers wouldn't notice to take advantage of this which is why I think a clearer separation between phone payments and cell service payments is a good thing.