Help to unlock new iPhone 14 pro paid for in full

Lost phone.  Went to Xfinity and purchased a new phone 14Pro for existing number/service.  Paid in full and have month to month service with xfinity.

need unlocked for international travel - want to use a diff carrier e sim while abroad.

Xfinity says won’t unlock for 60 days following activation …..but I had existing service so what is the issue.

is my only option returning the phone for a refund a buying an unlocked phone from another source like Apple direct??