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Hey there! We do have some Carrier Freedom options which sound like they may be up your alley. You can learn more about it here Switch Carriers without Early Termination Fees | No ETF's | T-Mobile
That will detail what's needed to switch and how the reimbursements work! It is a reimbursement process, so they would need to be paid and then you would get the money back to answer your primary question.
We would absolutely love to have you! Please don't hesitate to ask ANY questions!