<prompt> Human: So i have about 7k left on my debt, and thankfully i am in a position to pay it all off in one payment and still have a safety net in the bank. that said, i learned last year that my payments on principle are not tax deductible, but my payments on interest are. i made no payments from February till now and it gained 64 in interest.so as a know-nothing i instantly hear the words tax deductible and assume smart people make that as big of a chunk of their expenses as possible. but as a wizened know-nothing i wanted to ask reddit first. should i hold on to this debt and just pay off interest? does this help me at all, even if its just 64 dollars?  <response>: Give me 1 and Ill give you 0.25 back. Great deal right? Thats the deal youre getting depending on income, could be worse by paying more interest just because you hear tax deduction. 