I just found out that I can save about $40 per month if I change to T-Mobil because they don't charge the extra $40 data usage package fee that Verizon charges, plus they will pay some money on the early termination fee, as well as put money towards a new phone when you purchase. Can someone tell me where I can find out how much my early termination fee would be? Do I also have to pay for my phone if I got it in an upgrade?