<prompt> Human: I have a 30 day pay off quote of 6,400 left on my car loan. Payments: 395 a monthAPR: 21Emergency Fund: 8,000I already made a 4,000 payment last week to bring down my balance from 10,400so my question is should i just use my emergency fund and pay off the 6,400 or should i just keep making my monthly payments and make them 1,000 per month instead of my normal monthly payments of 395?my only income is my disability monthly payments and i dont pay rent just some utility bills because i live with my in laws for now  <response>: Just pay it off in full. You dont need a big emergency right now because you are living with family and your income is predictable until disability ends. 