Phone itself is $ 9.99. You can select minimum plan of $ 40 per month.

Then purchase unlock code from eBay. I see those offering the 2022 model unlock code for approximately $ 3

Phone – $ 10
Plan – $ 40
Unlock code – $ 3
———————
Total $ 53 approximately

To me, seems better than the Metro option which requires 6 month "drawer trick"