HOW DO I UPGRADE TO AN IPHONE WITHOUT HAVING TO PAY CANCELLATION FEES?

I right away have an AT&T stipulate with a poor Samsung cell phone, and my stipulate doesn’t finish until subsequent Feb (about 8 months from now), and in sequence to get an iPhone, it would price $300-400 some-more than normal due to terminating a contract. How can I get an iPhone but profitable fees or watchful until Feb (preferably inside of the subsequent integrate weeks so I can get the iPhone 3GS)? Please help!!!