<prompt> Human: As the title says, I have a few loans that Ive payed extra towards, that are ahead of their payment schedule. The banks that manage these debts allow you to skip months if you pay enough towards the debt. I have paid them off into the sub-100s, and my math based on their APRs indicate that itd cost me like 10 bucks if I let them sit for a year.My thought process was that if I do this, the banks will continue to report to credit bureaus that I have been continuing to pay as agreed. Is this worth letting the debt sit there instead of closing the account?  <response>: Just pay them off and get a credit card that you always pay in full.It sounds like youre paying ahead, not putting extra towards the principal which doesnt affect the amount of interest pay. 