<prompt> Human: Hey guys, so I bought a car last year in March and my payments are 289 a month and my car loan is at 12,000 with the interest rate of 2.9.. Ive been paying 400 because I want to pay it off earlier but do you guys think its worth it ?? Or should I just pay the minimum and save the money for myself ? Thank you guys for taking your time in reading my post :  <response>: Personally speaking Id want to be debt free as early as possible. Also youll be paying less in interest in the long run. 