I want to buy either iPhone 4s or 5c? How do i pay for each?

I might either buy the iPhone 4s or the iPhone 5c. I see the 5c at $99 but i know its at least $500. How do i pay for the rest of the money and also what's the cheapest plan and from where like verizon, At&t, etc. For the iPhone 4s i see its $0 but i think its actually $450. How will i pay for that and again what is the cheapest plan. If someone can help me out that'd be great.

I would get on contract, ch eaper that way.

When you see the 5c priced for $99 that is a subsidized cost. The phone company subsidizes the phone for you and lets you buy it at the less expensive price to get you to sign a two year contract with them. You pay for the full amount of the phone with your monthly bill to them. As in you pay a little off the phone every month. That is why if you break your contract, you will be charged the remainder of the full phone's price, because you haven't paid it off yet. As for plans, if you want to go with a contract plan, you are going to pay at least $80 a month from all four of the big companies. With ATT you get 3 gigs of data while with the others you get 2. They all have different voice and text options and you will have to do some research of your own to find out the plan that is right for you.

Hope this helped!