<prompt> Human: I have 2,700 in medical bills to pay and I have the means of paying it off in full. However, due to the time value of money and the fact that I get 1 interest in my savings account... would it be better to pay it off slowly?My only concern against doing so is having my credit score dinged if I somehow forgot to make a payment one month. Just want to know what the community thinks.  <response>: If you can setup a payment plan with no interest charges you should think about it. Especially if paying off in full would wipe out your savings. These can normally be setup by speaking with the billing department. Call them and ask about it. 