<prompt> Human: For reasons I do not want to go into, my girlfriend has a 4,050 car loan at 17. She has had it since July 2013 and it is through Wells Fargo. She has talked to me about paying it off completely using her emergency fund also 4,000 and Im looking for input on this.Her credit score is still fairly poor even though all of her payments have been on time since the loan was taken out. Im thinking that refinancing will likely be a no-go, especially since she only has 4k remaining.We have discussed getting a secured credit card for her to use to help build her credit back up from this learning experience. She earns approximately 1,600mo. I believe the loan is 48 months, and she is currently paying 250mo.Input appreciated.  <response>: 17 is insane, yes that should be paid off asap. The credit score from making on time payments is not worth the hundreds of dollars she will be spending on interest. Thats hundreds of dollars she will have to herself at a later date instead of giving to Wells Fargo now. 