<prompt> Human: I have a say 1,500 medical bill, and action is due tomorrow.I have an emergency fund set up for exactly this reason, but I was wondering if there were any benefits to paying off this bill over the course of 12 months and losing out on a 15 discount by paying in full tomorrow.With a savings of 225, it feels like taking the 12 month plan is like paying out a huge amount of interest even if it isnt the case. The downside of paying up front is that my emergency fund will need to be rebuilt for a while, which never feels good.What do you think? Since I have an installment option, is this truly an emergency?  <response>: I would take the 15 off. 