<prompt> Human: Im usually averse to debt, but I cant think of a compelling reason for paying off this loan early with such a low interest rate. Whats the case for retiring this debt early, aside from the satisfaction of not having it?I do have the discipline to regularly saveinvest money and I wouldnt otherwise be spending it on hookers and blow.  <response>: Other than not having the debt, like you said, I dont see much of a reason. Save the cash into an emergency fund if you dont have one then start investingpaying down the car loan. Personally Id save the payoff amount of the car 6 months expenses then invest anything over that into something. Maybe have the amount of the payoff invested into something safe making a good bit more than that .9. 