<prompt> Human: Outstanding principal balance: 12,993Interest rate: 9.990My current monthly payments are about 250 139 principal, 111 interestI just realized how this isnt exactly a great financial situation to be in.Currently I have about 35,000 in cash savings for a house downpayment and 52,000 in in 401k, and Im 32.I dont believe well have enough to make a house downpayment for another 3-4 years. Would it be best to just pay off the loan outright with cash savings? Then Id play catch-up while contributing my current monthly payment for the piano back into savings.I have no other debt.  <response>: Would it be best to just pay off the loan outright with cash savings? Then Id play catch-up while contributing my current monthly payment for the piano back into savings.Thats what Id do. 