I need help with network unlocking my HTC Desire 626s (T-Mobile) PLEASE HELP!

I know this is a little off topic, but I just bought this phone on T-Mobile prepaid last night, in hopes to pop in my Consumer Cellular SIM and use it. Well, that was shot down because it said the phone is network locked and it needs to have an unlock code to work on other GSM networks. I called and chatted with T-Mobile and they are refusing to give me the network unlock code until I start a prepaid plan with them, spend at least 0 on refill cards, and then they can "request" an unlock code from the appropriate department.

Does anyone know how to network unlock the device without doing it through T-Mobile? I don't know if I trust those cell unlocker websites for network codes that you have to pay money for.

Any other phone I've purchased, like an AT&T prepaid phone, they never require an unlock code. I also called Consumer Cellular and they don't have network unlock codes.