<prompt> Human: Paid off 5 years early. I had a relatively low interest rate, but I made a payoff payment this past week. I am now debt free. When I started reading this sub, I had a lot of debt...but some really good and surprisingly simple advice, really helped out. I make better, more informed, and smarter financial decisions instead of just throwing shit on a credit card and not caring about it. Thanks, rpersonalfinance!  <response>: RelevantCongrats man. Im not too far behind you, under 6k and counting on my student loans. 