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You speak of a substantial discount that you have earned for having kept to your contract's terms and paying your bill on time.
You can upgrade in-store with another 2 year contract, for which you do have to pay a $40 upgrade fee and you do pay $40 a month line access charge. This extra $20 helps cover the cost of the subsidized phone. After 2 years, you have more than paid for the substantial discount, and in fact, have paid more than people on the New Plan at $20 line access charge because it is not a contract and the monthly cost is actually much less if you do not upgrade, but you still save more than a contract on a new plan and monthly device payments.
