<prompt> Human: I have a 5 year 16 interest auto loan for 11,000, its my first loan and I was a ghost before so Im not surprised at the interest. Ive payed it down to about 9k and was wondering if it would be better for my credit to just make payments or clear the debt as fast as possible.EDIT: A lot of you are saying go to a credit union. This loan is through Navy Federal Credit Union.  <response>: 16 Bent you over 