<prompt> Human: Im so close and its hanging over my head! People have told me that paying steady incremental payments is better for my credit score. This matters since Im looking to purchase a house soon. Ive calculated that paying it off on a monthly basis will cost me about 250 extra when you factor in interest. That seems like a small price to pay for good credit. Thoughts?  <response>: Nope. Pay off the loan. 