if it's what Vaskez is saying, then that's what it is...
the advantage is that you get to use it right away but then, you have to pay the fee that falls on the category of the phone for two years or so meaning you cannot make it cheaper. the thing is, if the monthly fee is your desired monthy fee, you won't feel a thing, and you get that phone...
technically, you are at a loss, but then, if you continue to use the line because that is what you want, then they are at a loss...