<prompt> Human: So tired of these god damn loans over my head, i want them gone. I know my family told me that they paid off their car loan early and they just erased the interest etc. Anything i should know about paying these off? Anything i can negotiate?Knowing student loans and the gov they prob suck every penny from you though right?  <response>: By paying to loan off early, the lender is getting less interest profit. They will not reduce the balance for early payment. 