<prompt> Human: So I got a loan for a surgery I had a year ago. The loan was for 5000 and is interest free as long as I pay off the loan within two years and never miss the minimum monthly payment. Currently I owe 2700 on the loan. I recently got married and my wife has a HSA with 1400 in it, with a 4 a monthly maintenance fee and is allowed to use it on my medical expenses. Should we take the money in the HSA and put it to the loan or should we keep the HSA for an unforeseen medical expense?Assistant: I would compare the minimum loan payment amount against the max you can contribute to the HSA each month, and try to filter the payment thru the HSA in order to use pre-tax dollars. You can contribute quite a bit to the HSA, especially if you are covered by her HDHP as well. All depends on the numbers.EDIT: Good question, can you use her HSA to pay for a medical expense you incurred prior to the marriage, when you were not covered by the HDHP linked to the HSA? I dont know. I find HSAs very interesting, Im sure someone else will be able to answer.Human: I can use the HSA for this. We specifically looked it up to make sure. The idea of filtering the money through the HSA is a fantastic idea! Ill probably do that.  <response>: I love HSAs for reasons like that. 2014 maximum HSA contribution limit for a HDHP single plan is 3,300, whereas a family plan maximum is 6,550. Using tax-free money to pay off an interest-free loan is a pretty sweet deal. 