I would go with T Mobile, I have been with them for 4 years and they recently rewarded me for being a loyal customer with the loyalty plan, which comes to $12 less a month than I had been paying..

They are pretty lenient if your bill is not paid quite on time, too, I know this

The only thing is T Moblie's reception is not as good as Verizon's...I do not know if you plan any trips to mountainous areas that has been my particular problem, when I visit my mother.

Good luck!