<prompt> Human: Hey Reddit. Ive been working extremely hard the last two years to take care of and get out of debt. I hate it. I hate owing money. Plus I like having more of my money. I started out 2 years ago with one credit card at 10,000; another at 2500; and multiple other smaller credit cards that added up to probably 20,000 in CCs alone. Add a 24,000 vehicle loan and a 200,000 mortgage. I consolidated my CCs into a personal loan, cut them up and started snowballing debt. I eliminated my personal loan last august. Every dollar Ive had has been going to my savings to eventually pay the car off. Ive finally done it. I have the 12,000 in my bank ready to pay this car off and be debt free except my house. Now here is where Im torn. I still have 3 more years on my car loan. Its 430 bucks a month. I know Ive already paid most of the interest, but theres still quite a bit left. Im working on finishing my basement as well and have stalled that due to saving to pay off the car.Im heavily leaning towards paying the car off. What would you do?TL;DR Ive been working hard on getting rid of my debt. I have 12 GRAND. Do I pay my car off and be free of debt except house? Do I spend that money on my house and continue payments for 3 years?EDIT: Forgot to mention. Yes I do have an extra 1000 in a separate emergency fund that is for emergencies. The 12,000 is in savings now because thats where I was storing the money for paying on the car until I reached the full amount. I hadnt fully decided on paying it off yet. Otherwise I would have just been making extra payments each month until now. EDIT 2: Im fairly certain the interest rate is around 6 for the car. Home loan is 3.  <response>: Would you go out and borrow 12,000 at 6 to finish off your basement I hate debt ? 