@Jim262 The best trick for this is to trade in the phone with student discount if you have it. I like to upgrade every phone release because the trade-in value is greater if you wait one year it will not cost as much.
The Ultra is mostly for those 1uppers. I'm just happy I was able to get an S20 plus through my employer and use my discount this time. I looking forward to having at least 2 more GB of RAM free on this model.