<prompt> Human: My wife and I currently have an auto loan and a small amount of her student loan debt left to pay. Combined the average weighted interest rate is 2.89. The monthly payments combined are 565 and the debt total is approximately 17k. So everything should be paid off in just about three years. However, I am struggling mentally with not paying them off. I have done tons of research and know the pros and cons of keeping the debt vs paying them off sooner than later. One of the main factors for keeping the debt is we would like to buy a house in the near future so our extra income is going towards our house fund.Possibly where some of this stems from is, I have always been relatively debt free excluding small amounts of credit card debt in college. However, my wife and I recently got married and she previous had the debt. So I am unfamiliar with owing money on a loan.TL;DR What is your personal interest rate threshold for keeping debtloans? Do you always pay off all your loans if you have the cash available? What for you justifies keeping a healthy amount of debt? Thanks.  <response>: Just depends on your risk tolerance. I know the interest rate is relatively low, but Id be tempted to pay it all off too.You can likely beat that in the market, but there is no guarantee for that. Paying off the loan will get you a guarantee return no longer paying interest. 