...the penalty? 1 year left on contract. Can't afford the phone

I don't think so. But i do know that people that cannot afford it get their phone taken away for T Moible and i belive they have to pay the fee too. That kind of sucks hope you can un-do the contract without paying a $175 fee.

Contact a supervisor. That is how I get out of paying things like activation fees, they will actually help you and get you what you want other than custom service people, so drop them an email.

Contact a supervisor. That is how I get out of paying things like activation fees, they will actually help you and get you what you want other than custom service people, so drop them an email.