How much does T-Mobile charge upfront?

I want a Unlimited Data, Text, and Talk with the iPhone 5 which is $0 upfront, but $10 upfront for the sim kit.

Now I'm a little confused. Do I just pay $10 that day and the phone is activated and good to go and in a month, I pay the phone bill or do I pay the phone bill and the sim kit that day?

Added (1). To the *** who said "Too bad etc." they can't provide an exact answer because they do not know it varies with each state, but she couldn't give me an estimate either. I'm trying to get an estimate from what other people paid.

Too bad T-Mobile doesn't have a phone #, nor a web site, or you could find out.

It sucks

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