ok so, after reading about everyone calling att and whatnot i realized that the first time i installed swirly i didn't do anything it just worked.
this proved to me that i didn't need something overtly complicated
HERE ARE MY SETTINGS
MMSC: mmsc.cingular.com
proxy: wireless.cingular.com (notice, no numbers or anything)
apn: wap.cingular
username: [email protected] (case sensitive)
Password: CINGULAR1 (case sensitive)
image size: medium (your pref, works with all)
User Agent: iphone
now, here is the kicker. it took me FOREVER to figure this out. type these settings in. try it, it won't work. good. now quit out of swirly and take out your sim card. get an old phone, i used a go phone, and plug the sim in there. now try sending a picture going online etc. it won't work. no worries, (if it does, youre not using a go phone, all the same doesn't matter)
after that, take out the sim, let it sit for a minute (be patient) then while your iPhone is still on, put the card back in.
THAT'S IT
it sounds confusing, but i did it on all of my friends iPhones and they got it to work as well. so i don't see why it shouldn't work on yours
good luck!