<prompt> Human: We bought our house in 1999 for 70K with a 30 year mortgage. Through the years, we paid down the principle whenever we could.Nobody wants to refinance that small of an amount, and closing costs would make it pointless, anyway.We both have credit in the 800s. My husband wants to just pay it off, but that would steal from our emergency fund, which I dont want to do.Right now, there isnt any extra money to pay down the principle.Should we just ride it out for a couple more years, or is there a better way?Edit: This mortgage is the only debt we have. We spent all of our extra money for my husband to go back to school, but that wont start paying off for another year or two we did pay for it outright, so there are no student loans. Im a teacher in an area that doesnt pay teachers well, and for now, thats the only reliable income for our family of three.  <response>: What are the payments on it? If its going to be paid off in a year or two saving 1 on the APR isnt going to be a huge difference. 