phone plans have a cancellation fee to get back whats left when you quit the plan perhaps thats paying back for the phone
T-Mobile => 99 + 24x80 => 2019 - 649 => 57.08 plus taxes plan \ 27.04 plus taxes phone
ATT => 199+24x(70+80) +36 AF + => 3835 - 649 => 132.75 \ 27.04
ATT seems expensive since they separate talk, message, data, video ... so is TMobile bundle all that ?
ATT charges like your leasing a small car
if u have a phone already
http://explore.t-mobile.com/phone-sim-card