<prompt> Human: With savings plus my tax return Ill be able to pay off my truck within the next few weeks. Its around a 150month payment, and I will be paying it off roughly 19 months early originally was a 48 month loan. Its an older car, so the APR iswas around 3.5 and the payoff amount is roughly 2,800.Heres what Im looking at, in order of likelihood, after rebuilding my savings account: Option 1: Open a 401k. My company matches up to 6 pre-tax, so at a 35k yearly salary I could put in 175 per month max. I may not put that much in. It takes 4 years before I would actually be able to get back the full amount of their matching contribution, until then I get back part of their contribution on a sliding scale. Option 2: Just sit tight and prepare to pay for medical insurance. Ill turn 26 in September and will have to start paying for my own insurance. I have no idea how much this will cost, but Ill likely just go through my company. Option 3: Some type of small installment based loan to continue to build credit. Accordint to CreditKarma.com I have a 699 TransUnion score and a 718 VantageScore. I dont know what I would actually do with the money once I received the loan. Option 4: Pay off my college loans. I dont want to do this because its an installment loan and keeping it open will continue to help with my credit score. I owe too much to be able to pay it off outright as I am with my vehicle 6,700 vs 2,800. I pay 6.55 on this loan with a 93month payment.My yearly COLAperformance based salary increase will hit in August, and Im expecting a 1,000-2,000 yearly salary increase.Throwaway because a lot of friends know my real username and this has some personal information.  <response>: Option 1: You should be doing this already. Youre missing out on a lot of free money for your retirement here.Option 2: I have no idea how much this will cost, Ill likely just go through my company. - You should already know this and be doing it! Talk to your HR department. They can tell you exactly how much it will cost per paycheck. Your insurance premium will be deducted from your paycheck pre-tax, so that will lower your taxable income.Option 3: This is the dumbest thing you could possibly do. You already have a decent credit score, and as long as you keep making your current payments on time and responsibly using a credit card, it will only go up. Whoever keeps perpetuating this bullshit about having loans just to improve your score needs to be taken out back and shot. uwhiteraven4 is completely right, you should never look at paying interest just to improve your credit score.Option 4: Pay off my college loans. I dont want to do this because its an installment loan and keeping it open will continue to help with my credit score. See above. Stay current on the bills and youll be fine.That said, there are some arguments against paying the loan off right away - mostly because the interest is tax-deductible.My recommendation:1. Get in on the 401k. ASAP. Contribute at least enough to max out the company match.2. Get the health insurance stuff figured out. Go talk to HR about it right now. Youll be in their officeon the phone with them anyway while youre figuring out the 401k.3. Pay down your highest-interest loan as aggressively as you can. Pay the minimum on the other. In this case, that means flipping your car student loan payments - you should be paying extra on the student loan which is double the interest rate of the car loan. If the student loan is paid off before the car, take the full amount you were putting into the student loan into the car. 