Besides getting a subsidized phone, are there any other advantages to going the 2-year contract route with T-Mobile? I'm currently with Virgin Mobile. I live in Detroit, where it looks like T-Mobile is second only to Verizon (which I can't afford). I'd like as much phone as possible of course, so I'm thinking about going back to a contract. However, it seems like with the monthly expenses of each option ($30 for prepaid, $80 for 4G contract), I might be better off to just put an unsubsidized phone on my credit card and use the extra $50 a month to pay down the credit card. With T-Mobile, is there a difference between the actual phones for prepaid and contract, or just a difference in SIM card?