Well the only way you could probably get a cheap deal is if you know anyone, like a friend that can hook you up with one by reporting it to their insurance, and you'll just give your friend or who ever it is an offer. T-nobile charges $100 for the replacement phone so of course it'll have to be either an equal amount or if your friend realyl likes you =] he/she can provably just give it to you for the same ammount they charged him!!!!
Other ways:
If you get lucky you can always find it in the streets, maybe a desperate person that needs money or needs to get rid of it for w.e reasons!
Hope it helps!