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should you pay it off? well, that depends on your interest rate. If you have 3% or so, then you *might* be able to invest that money and make more than 3%. It shouldnt be that hard to do.
i have 7K left on it after 7 months of payments.... Only reason I did this is to fix my credit.... I need 12 months of on time payments & my credit will jump a 100 points