My T-Mobile bill is so high?

Okay so I'm on the T-Mobile website preparing to get the contract iPhone 5s with the 20 $/per. Month and when I review my cart it says the cost monthly is 87 dollars?! The contract just adds 27 dollars, so why is there an extra 20?

Added (1). The one that is 0 dollars to buy on the site but has a contract.

That sounds like the "pay monthly option" where you buy the phone not the contract option where you get the phone for free with a 24 month contract

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