Is there a way to get a cheaper phone?

If this is a stupid question I apologize in advance...
My mom recently bought a New IPHONE 4s.  She somehow managed to drop the iphone into a toilet midflush.  The phone is now gone.  Yes, she actually flushed the phone.  She is now looking to replace it but now sees that the cost to do so 649.00.  Is there anyway around that?  My guess is no but I figured I would at least ask.
Thanks.

I don't know where you are, but if you are in the U.S. on contract with one of the carriers here, you might save money by adding a line to her family plan. This would cost (on AT&T) $10 for the line and $15 for the minimum data plan per month. Over 2 years that's $600, but it means she could get a new phone at the subsidized rate.
If she puts it on a credit card, depending on how quickly she pays it off, she may actually save money by going this route.

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