<prompt> Human: I have medical bills from last August. I requested to pay them in full for a discount, but they told me they dont do that for anyone. They offered a three year payment plan with no interest. Theres only about 1000 left. Is there any reason I should pay it off early, or should I keep sending 42 each month?  <response>: The main reasons to pay it off early would be:1. Have one less monthly payment that you can instead allocate somewhere else2. Have one less debt to stress about3. Avoid the possible risk of your circumstances changing such as job loss and making you unable to afford the monthly payment for the remainder of the term 