It will be interesting to see if there is any credit for someone upgrading after, say, month 16 instead of month 12, or if Apple just pockets that to fatten the program margins. Also, whether someone on say, month 8 could make the additional 4 payments in a lump to qualify for upgrade status

I’m a little unclear as to what happens when you upgrade. You enter the program, committing to 24 payments of $32.41 (for the 16GB base 6s). If you do nothing else, at the end of that time you own the phone and owe nothing more. But you have an option to upgrade after 12 months. If you do so, what change is there in…