<prompt> Human: Ive been paying it off in increments, but right now, I could pay it all off. Doing so wont leave me with much to live on for a couple weeks, but I can find a way to manage. Should I go through with paying it all off at once? How will it affect my credit in the long term?  <response>: If you are able to clear your debt and still maintain 3-6 months living expenses in savings as well, absolutely.If youre living week to week in order to manage it, then certainly not.Essentially, you want to get rid of debt as soon as youre able, but you need to leave enough funds to cover unexpected expenses like getting laid off, or a medical emergency. 