YMMV...Samsung Phones (Ex. Note 10+) with 500 $ Samsung online store credit +Trade-in with EPP/Student Discount $539.26

Example with my EPP : Note 10 + unlocked 256 GB $539.26 (based on tax on ur zip code) - 500 $ future store credit (samsung.com) +Samsung S10+ Trade in (540 $)+ 6 months spotify premium and + 4 months youtube premium

So no brainer to upgrade from s10+ to not 10+ and you are planning to use 500 $ when S11 or Note 11 comes out and trade in latest Note 10+ to save

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ORDER SUMMARY
Galaxy Note10+ 256GB (Unlocked)
$1,058.74
Expected Delivery: Dec. 10
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$500 Samsung Credit
$0.00
Your $500 instant Samsung Credit can be used towards any Samsung Mobile Product (Tablets, Mobile Phones, Wearables, PC, SmartThings, Mobile Accessories products) ("Gift") and will be automatically applied to cart. To redeem simply add an eligible item to the order and the discount will automatically be applied. If you choose not redeem your Samsung credit instantly, your Gift certificate worth $500 will be emailed to you on January 2, 2020. To redeem the Gift certificate mailed to you, you have to enter the redemption code at checkout to redeem your Samsung credit. The Gift is a one-time use certificate; when first used, any value not used is lost.
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Samsung Galaxy S10+
-$550.00
If you do not send in your Trade-In Device within 15 days of receiving your new device, you agree to reimburse Samsung for the full trade-in value that was applied to your purchase. If you send in a Trade-In Device, but Samsung determines that your Trade-In Device does not meet Samsung's eligibility requirements for your selected Trade-In offer, you agree to reimburse Samsung for the trade-in value that was applied to your purchase minus $25. You authorize any such charge to be made on the same payment method, or the same Samsung Financing offer if applicable, used for this transaction. No device will be returned to you.
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Get 4 months of ad-free YouTube on us
$0.00
You will receive a confirmation email with redemption instructions no later than 28 days after the delivery of your device for your free YouTube Premium subscription.
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Spotify Premium- 6 Months Free
$0.00
To redeem, open the Spotify app preloaded on your Galaxy S10+, S10, S10e, Note10, Note10+, or Note10+ 5G. Log in or create an account, and tap the 'Premium' tab on the bottom of your screen to learn how you could get your first six months of Spotify Premium for free. To learn more, go to: https://www.samsung.com/us/mobile...s/spotify/
SHIPPING INFORMATION:
EXPEDITED
Once shipped, order should arrive in 2 business days
DELIVER TO:
XXX
SUBTOTAL (5 ITEMS)
$1,707.89
ESTIMATED TAX
$30.52
ZIP code: 20XXX
TOTAL SAVINGS
$1,199.15
TOTAL
$539.26
REWARDS TOTAL
1020 POINTS

https://www.samsung.com/us/mobile...ote10/buy/