<prompt> Human: All right so I have just about enough money saved up to pay off my car loan Payoff amount is 3254 and have saved 2800. My question is should I skip this months car payment and just put that payment towards the payoff amount next month, or make the payment?They seem to be pretty understanding about people who are behind and have never dinged my credit for being late before. Just trying to make sure this is the right decision.Edit: Thanks to all of the people who tried to give genuine advice! The rest was 9037; condescending holier-than-thou bullshit, but thats what I expect from this subreddit.  <response>: Why would you do that? Making the payment will lower the payoff. Just make the payment 