Miss me with that, I'm disabled and get less than a grand a month for all my expenses. All of the major cell phone brands offer their own financing (and all I've seen is 0% interest for 24 or 36 months), and have for 10+ years. And because you're not buying from a carrier, you aren't locked in, so you can hop to prepaid plans or even MVNOs and enjoy actually massive savings. If you actually needed to, you can get by with service at $10 or less a month, and assuming you are paying $65 a month currently (the going rate for an "unlimited" tmo plan, I don't know the math for groups) you'd save $55 a month, or $1,320 over 2 years. Enough to make your flagship phone "free".