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Yes. You're always paying for the old phone either by paying off all 24 installments – or by paying off at least half of them, and surrendering the phone in good condition. One year old phones are presumably worth at least half of their original value, or close enough that Apple is not getting...

It looks like Apple is offering the upgrade program through a link on this page, and through the Apple Store app on the iPhone/iPad/iPod Touch. When you select the link, it takes you to another page where it asks you to choose the iPhone 11 or iPhone 11 Pro...

I believe that the payments for the new contract are based on the price of the new phone. If they just blindly kept the same payments, what would keep you from buying the most basic phone - to lock in the lowest payment amount - then trading it for the most expensive phone at the first opportunity?

"We connect your new iPhone to your carrier for you. So you won’t have to make any changes to your rate plan. And if you ever decide to switch carriers after you activate your iPhone with AT&T, Sprint, T-Mobile, or Verizon, you can easily do that, too."

Note that switching to a new phone resets things to a 24 month loan for the new phone.

That link is about how to get pre-approved for the upgrade program, not about the program itself. As far as I can tell by skimming other articles, the upgrade program works something like this: You take out a 24-month contract with Apple to buy an iPhone. The phone is unlocked as far as...