Iphone 5 to iphone 5s tmobile?

I just bought the iphone 5 about 4-5 months ago on tmobile and now the iphone 5s is out, i didn't use my JUMP program, can i still change from my iphone 5 to an iPhone 5s? How does that work if i already made a down payment and a few payments towards my iphone 5? Will they use the iphone 5 as a payment towards it? I've been a customer for 7 years

Your iPhone 5 is fine. No need to upgrade.
Since you didn't take the JUMP plan, your only option is to pay the 5 completely, sell it, then get the 5S, but it's not worth it.

You are an idiot if you get the IPhone 5S if you have the IPhone 5. The difference between the phones aren't that much and isn't worth the money to do it. Here is the difference between the two.

The IPhone 5S has over the IPhone 5 is:
IP5S-A7 processor (1.5ghz dual core 64bit) and M7 gyro motion coprocessor (no specs) vs IP5-A6 processor (1.3ghz dual core 32bit) so very little upgrade there. Programs for smartphones don't
optimize the 64 bit processors yet.

IP5S-has a finger print scanner, dual Wi-Fi ban 2.5GHz and 5GHz, dual LED flash (one white, one yellow), camera has 15% bigger pixels for better low light, camera also has burst shot and slow motion at 120fps (Samsung Galaxy 3S, Note 2 last year phones had and S4, Note 3 have too. The Galaxy phones also have fast motion), a little bit thinner 7.6mm. That is the only difference between the IP5 and IP5S. So like I said not that much of a difference.

Everything else is the same like:
4 inch screen at 1136 x 640p 326ppi, battery 1440mAh (10 hours of talk and video), internal memory 16/32/64GB, 8 mega pixel rear camera, 1.2 mega pixel front facing camera, IOS 7 and everything else. So is it really worth it? I don't think so.

Another thing you have to think about is if Apples Iphone keep selling well then they will continue to do very little improvements to their phones and continue to fall behind all the other smartphones. But if their sales start hurting then maybe they will start making major improvements.