Telus phone plan question?

Hey, I'm 14 and I've never had a nice phone, I am going to buy an iphone 4. My mom has got me on a plan which she pays for but it is a terrible phone, seriously it is BAD. I don't really get how plans work but I want to pay for it myself. So here is my question; Is there anyway to cancel my current plan and start a new one so I can get the iphone for cheap? Or would that be a huge problem?
 
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