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An unlocked phone makes it easier to switch carriers if you ever decide to do so.

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To make things more complicated, starting this year, Apple is also offering an installment plan of its own: the i Phone Upgrade Program.

One advantage of the program is that Apple acts as the middleman, so it doesn’t matter which carrier you have.

You can pay for the phone up front or in installments. And you can get a warranty from Apple, your carrier, or a third-party service. There’s no single answer that’s right for everyone.

Rather, you have to figure out what makes the most sense for your particular situation.

(The subsequent six months’ worth of payments would be waived if I upgrade.)Sprint: I could pay as little as $19.77 a month for 22 months — if I were willing to trade in my existing phone and I wanted to be able to upgrade to the next i Phone whenever I wanted to.

Alternatively, I could pay Sprint .25 for 24 months if I wanted to own the phone at the end of the period." data-reactid="75"Sprint: I could pay as little as .77 a month for 22 months — if I were willing to trade in my existing phone and I wanted to be able to upgrade to the next i Phone whenever I wanted to.

And every year, people ask themselves the same questions: “Should I upgrade? ”the new i Phone 6s and 6s Plus.  You can pay for the phone up front or in installments. And you can get a warranty from Apple, your carrier, or a third-party service." data-reactid="28"In the past, that decision has depended mostly on the kind of deal you could get from your chosen wireless carrier.

But this year, the landscape has shifted: There are more options than ever when it comes to buying the new i Phone 6s and 6s Plus.

Depending on those circumstances, you may need to pay off your existing phone before you can upgrade to an i Phone 6s or 6s Plus.

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