<prompt> Human: I owe a little over 11,000 and I have 30k in the bank. Im thinking of taking some and paying off my car. The interest rate is 2.1 and I pay 305 per month.Should I pay it off, or keep to increase my credit history?  <response>: With such a low interest rate I would consider the opportunity costs of paying off the debt vs. investing the money elsewhere.Do you have any other debt with higher interest rates? Have you already maxed your IRA for 2016? My question is why do you have 30k in the bank? Are you saving for a big purchase such as a down payment soon? 