<prompt> Human: Total debt is 10k. The current payment plan is 100 minimum per month, with no interest.For 50 years anniversary, they are doing the 20 off campaign, which last until year end.If I took the offer, and paid it using my saving, there will only be 6k left in my saving, which is equal to about 3 months salary.My salary is 2k per month which I spent usually about 1k per month.I want to take this offer but because the monthly payment is so low with no interest, maybe its better for me to pay monthly? Please advise!editFor next year, some big spending could be for a wedding, which might take about 10k. Also, right now my company is paying for my rent, but beginning 2018, I need to pay for my own rent which add about 600700 in spending a month.Also, I expect to receive a 10K bonus each year, barring my company suddenly goes bad.  <response>: Absolutely. Not only are you not paying the full loan you arent paying the insurance you would accrue. You can survive off 6k and rebuild. 