<prompt> Human: So, got 15k loan 2.44 for 6 years. payment is 216mo. will pay 1100 in interest over life of loan if minimum is paid. only other debt is mortgage 2.7 and i pay 300 over on that. I look at that like a saving account as the note goes down, the more we will have for down payment on next house. took 4k out of car fund savings to put down. Ill prob pay 225mo on it and put excess away for repairs and the eventual next car down the line. what would you do?  <response>: I wouldnt pay over on either of your loans if I were you, but thats because I believe the market will return higher than 2.7 and Id be more interested in that along with reducing my tax burden currently than paying off low interest loans. 