<prompt> Human: I had a surgery performed in summer 2012, the cost of which was put on a GE CareCredit no-interest account. Ive been making minimum payments, because hey, 0 interest this month is about 70, and it goes down 2-3 each month. The remaining balance is right at 2,000 and is due on July 4th of this year. I have this amount already set aside in a separate savings account that I made specifically so the lump payoff amount wouldnt surprise me; Ive just saved up to the payoff amount a little quicker than anticipated a good problem to have, I guess.Im debating whether to sit on the money or just go ahead and pay it off and apply the gain in cash flow to something else retirement account or student loans. My gut feeling says that since its 0, I might as well make minimum payments. However, its due in only 3.5 months anyway, and the best I can do is a CD thatd get me about 6 not worth the hassle. Paying it off now wont affect my emergency fund FWIW, if you saw my previous post, the cash on hand that Im referring to there is already taking into account that this 2k is set asidei.e., in that post, my actual cash balance is 14k, not 12k.So, am I going crazy here, or does it actually make sense to go ahead and pay off the 0 loan a couple months early? I suppose the alternative is to take this 2k cash and apply it towards my student loans in addition to another 7-8k that Im about to apply towards them, then set aside a few hundred per month to rebuild this 2k.  <response>: To me a peace of mind knowing the debt is gone is worth a few bucks in potential interest. Just pay it off, and then focus on your student loans. 