<prompt> Human: So Ive been going through the big flowchart that everyone references here and Ive noticed that it goes from paying off moderate interest debt 4-5 straight to retirement savings. There wasnt an area for low interest debt. I have a loan that I owe about 35000 on still, but its only at .75 interest. I will be finishing my emergency fund tomorrow, and I was wondering if yall would recommend paying off that low interest loan early or letting the scheduled payments take care of it in about 4 years?  <response>: Let the scheduled payments take care of it, you can earn more than what the loan is costing you on a high yield savings account alone. 