<prompt> Human: Hey everyone, with the holidays approaching, my lender has offered what, at first, seems like a good deal.At the cost of 35, I can skip 1 payment in either December or January. The payment that would be in one of those months is then moved to the end of my loan. I will not be negatively affected on my credit score or with the lender by using this service. Effetively, it sounds like a free loanpaymentamount - 35 but I know there has to be a catch here? Is it worth it?I have 14k left on the loan and its at 1.5 interest. 450 paymentmonth  <response>: Youre not skipping a payment, youre buying a loan extension for 35 and also incurring the added interest that will be accumulated.If you really cant afford your car payment, do it, but it isnt really worth it otherwise. 