<prompt> Human: I incurred some relatively large medical debt last year and have been, since then, paying it off via payments monthly no interest, no impact to credit. A few days ago, I received a letter where the hospital is issuing a 30 off of the remainder if I pay the full amount within the next 30 days. Letter head, account information and everything seems legit, but Im just wondering if theres any reason NOT to do this. I could have paid off the debt when I incurred them last year, but since there was no interest payment plans, I figured Id do that instead. However, to get 30 off seems like a good deal, so Im thinking of just paying it off now. Any help would be appreciated! Thanks in advance  <response>: Hospitals do this routinely. If you have the money pay it and take the discount. I paid on my credit card so I could get the points and then paid my credit card off right away. 