No Personal Hotspot? Solution here for all carriers.
Step 1: Go to settings, general, network, cellular data network.
Step 2: Copy the APN from "Cellular Data APN" and paste to "Internet Tethering APN".
Step 3: Restart your device, go to settings, general, network. Turn on the personal hotspot that has now appeared and you will find it in the general settings page.
🙂
Macbook Air, Mac OS X (10.6.6)