<prompt> Human: Is there a reasoning behind it? I am in the process of paying off a cruise next year and have 500 to pay off in the next 10 months. I know theyll both equal out to the same amount when paying them off but I seem to be leaning towards paying the 500 outright.  <response>: Because you know you have the 500 now, and 50 may be worth more in month 7 than it is in month 2. 