<prompt> Human: A few months ago I got a sudden gift of 5000. I decided to make a big payment on my solar panel loan. The credit union I have for the loan is kind of old and when I tried to make a payment I discovered that 2500 is the biggest payment you can make without going to the physical location. So thats what I paid. The rest of the money is going towards an upcoming road trip. This morning I made an excel spreadsheet to calculate the benefit of making the 2500 payment when I did. Thats the imgur link above. I love making spreadsheets like this and seeing the analysis play out. Now I can play with the future numbers and try to pay it off earlier with smaller payments for the future. I was unsure if I should really dig into my savings to pay off the rest of it but now I see that if I took 1600 from my savings it would only save me 200 in interest. I no longer feel rushed to pay it off even more aggressively although Im shooting for 2 years instead of 3. TL;DR Made a 2500 payment on a 10 year 5000 loan at 5.99 interest as the 7th month payment and calculated that it saved me 1400 in interest and pays off the loan 7 years early. Thanks PF  <response>: This just in: paying down debts helps, significantly 