T-Mobile USA has decoupled devices and plans. You can BYOD, or buy one of their phones by putting down money and then paying a portion monthly until it's paid o

T-Mobile USA has decoupled devices and plans. You can BYOD, or buy one of their phones by putting down money and then paying a portion monthly until it's paid off. For example, the Galaxy S4 is $99.99 up front, and $21/month for 20 months totaling $519.99. At the end of 20 months your bill will be reduced by $21.