i finally have the right settings
1st step go to setting then go to cellular and add apn
apn: fast.t-mobile.com
everything else should be blank
2nd step download wireless manager from market place and edit apn
internet line change apn: fast.t-mobile.com from user name and on everything else blank
mms_line
edit mmsc: to mms.msg.eng.t-mobile.com/mms/wapenc if it says too long just press ok twice
edit apn: fast.t-mobile.com
turn phone off for two minutes and you have mms now