<prompt> Human: I consolidated all my credit card debt into a 3 year Discover Personal Loan, 4500 at 10.99. My first payment is due 1215 and the payoff is 4574.31 Well Thursday my boss pulled me aside and told me I have a year end bonus. The check has cleared the bank and I have 5426 to my name. I pay off the loan right away right? Im clearly not the smartest man with my money...thank you rpersonalfinance  <response>: Yes, pay off the loan immediately. 11 is no joke. 