The fee can be paid by a students parents or it can be withheld from student pay during their time at Annapolis. There is even a possibility that this fee might be waived. The entrance fee won't be less because they have the uniforms from NAPs. The Coast Guard Academy automatically deducts though. The Merchant Marine students have to pay as well.
Cell phones are an individual's personal preference.
Yes, Plebes get phones too. They can't use them during Plebe Summer though. Updated answer from James R Ross. Of course the closer the year is the more detailed it is. The June 2001 calendar shows the Napster reporting on the 28th and the others reporting on the 29th.