<prompt> Human: I have about 800 left to pay on my 9,000 7.9- interest 61-payment car loan. I should be able to pay it off within a month. I got my car in May of 2013 so Ive only had the loan for 19 months. My goal was to be completely debt-free even if its not much. Just dont want to get in the habit of having debt. So Ive been making large payments monthly. I really want to pay it off quickly but Im concerned that Ill be missing out on the credit scorehistory benefits of having manageable debt. Im 24 with a steady job and income. Ive had one credit card for about 3 years and no student debt. Should I pay off the car right away and be done with it? Or should make smaller payments and extend the life of the loan for credit history benefits?  <response>: Pay it off. Never pay interest to improve your credit score. 