Yeah and some food for thought. I learned the hard way that paying off small loans nomatter what type, be it personal or an auto loan, in less than a one year span in no way hurts your credit, but it does not build it either. My spideysince tells me that you'r unmarried, and, if thats the case, let the loan run its full or near full term of life. You will appreciate it later, and you will have the funds to start you on your way to 31"s of fun with the rest of us.