iPhone in Business and Education

Is there any way I can buy a iPhone by monthly payment method?

I am an international student and have been in the US for more than 1 year. I am currently using the AT&T and attending college and I just don’t know if I can buy an iPhone by monthly payment method- that means I have to apply for the apple credit card, isn’t it? However, I am pretty sure that I won’t succeeded. So please anyone help me out whether there is anyway I can buy a iphone by monthly payment method???????

Thank you :))))

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