Default [Q] AT&T: Best option for early upgrade?

Hi Folks,

I'm curious to know what my options are for a 1-year early upgrade to the GS5, without using AT&T Next because I think it's a huge rip off. The only info I can find is either from 2012, or only about AT&T Next. My best bet is to also get rid of my current phone, GS4.

Any info or tips would be great,

Thanks!