What is the cost of the upgrade if you are under a 2 year contract already?

Do you have to be clear of a 2 year contract for this iPhone trade-in to be a deal?  Such as I have a 4s that I got at the beginning of August for my first smartphone because it was the free option at the time.  I love the phone but because I just started a 2 year contract I wouldn't qualify to get the 6 for "free" using the trade-in program?  Am I understanding this correctly?  I would love to upgrade to the newer phone but I will admit that I don't want to pay the $400+ difference if I don't qualify to get the 6 for $199 and use the gift card to cover that.

That is what I figured but I just wanted to have it confirmed before I wasted any effort in thinking I could do it inexpensively.

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    === Verbose logging stopped: 18/12/2014  16:15:40 ===

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