<prompt> Human: I have 26k in loans at 4.75 that Ive been paying off for 10 years. Was saving for a house, but Im sick of the debt. I also have a car loan with 10k but I need to look into that rate.I think I should pay it off, maybe both, but I need confirmation. Thanks guys.  <response>: What interest rate are you earning on the 140k? Is it lower than the interest rate on youre loans? If the answer is yes, then yes you should pay off your loans 