<prompt> Human: As I said in the title, I have enough liquid cash to pay this off and not have it impact me really too much but I cant help but feel with such minimal interest Im better off having the 14k for when I plan to move in 2 years. The interest paid in that time isnt a lot but its not nothing. I sort of view is as movingfurniture money though even if i paid it off I wouldnt be cutting it too close. The logic is flawed no doubt but cant get myself to just cut the check and stop making monthly payments...such a bad way to operate but it just feels better in my account. sorry for the rant. Likely not helpful to anyone.  <response>: My flawed? napkin math says you are missing out on 196 in gains per year!!!Drink a few less Starbucks and worry less. Having that cash to hand when you move to the burbs will be handy. 