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Well yeah but every call you make will be a long distance call and anyone that wants to call you will have to dial 1 etc... like that episode of Seinfeld
Not if you have a plan that is not local. Most cell phone plans these days have national plans and you can call anywhere in the country on them without being charged long distance roaming fees. If you have a local plan give your provider a call and see if you can switch to a comparable national plan. Most college kids use national plans so that you can call your friends who will have all kinds of different area codes. Store the numbers so you don't have to plug them in each time. Unlimited text messaging is also a very good idea.
sprint is pretty good. don't pass up the 15% ucd cellphone discount. it lowered my bill a LOT (i used it on my family's $100/month bill and it dropped it to $85/month).
I'm currently a 1st year at UCD; Verizon has the best, Sprint a close second (I have sprint), AT&T, then T-mobile the worst; you dont get reception in classrooms, gym, and even in the Laben and Kearny hall in tercero. I had tmobile and im really happy after switching to sprint.