<prompt> Human: I have a 13K loan from a credit union at 1.75 interest for 4 years. I can technically pay it off in 2 years and get rid of the debt, however should I do this or should I just pay it off in 4 years while funneling money through long term mutual funds SP 500, etc.  <response>: The general response here would be to ride out the car payments. Given that the interest rate is low enough that you would see a better return by putting that extra cash to use.The other side of that coin is the freedom and peace of mind from being debt free. So, you have to ask yourself will I really take that extra cash and put it to use, or would I see it and spend it? 