When T-Mobile began selling the iPhone back in April, the carrier offered the entry level iPhone 5 for a down payment of just $100 with 24 monthly payments of $20 for a total device cost of $580. In May, T-Mobile changed the down payment pricing to $150, bringing the total cost of the iPhone to $630, and today Tmonews reports that the carrier adjusted its pricing once again, lowering the down payment price to $145.99 but raising its monthly equipment installment price by $1, effectively making the overall price of the phone $649.99 ($145.99 + $21 x 24). That is essentially the same price that an unsu
