If it is free then why do you need a loan?
Lets put it in this scenario...You go into a restaurant that promises free drinks with every meal. You order you meal and then your drink. They charge you $10 for your meal and $2 for your drink. Aside from taxes, your bill comes to $12. They then credit your bill $2 for your drink. aside from taxes, you only pay for your meal. Your drink is free. In this scenario, your meal is your calling plan and your drink is your phone. Does this help????