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Guest post by "Jim Ourada"
Sounds like need a different carrier.
Sprint, T-mobile will be deliriously happy to help you. They are both cheaper than ATT or Verizon.

I use Consumer Cellular, which is a lot cheaper. They support the iphone seriers now. Seems to work pretty well, though coverage in remote areas has yet to be tested. I do not expect issues with voice anyway.

Worth a look. Very easy to deal with, unlike Verizon.