If you tried the free three month trial of Apple Music now is the time to cancel it or buy it. You do not need to pay for Apple Music if you want to use the app to listen to music you load onto your iPhone. The $9.99 monthly charge is it you want access to Apple’s entire catalog of music. This is a service that competes with the Spotify premium service. Here is a quick visual description on ending the $9.99 service.