Forgive me if this is obvious, but just to write it down for anyone browsing this thread: If you have a fixed-rate loan at a low interest rate (~3%), even if you have enough cash on hand to repay the loan in full, it may be a better move financially to make the minimum payments on the loan and invest the rest of the money in a financial instrument that can net a higher rate of return.

For example, say you have $100 in savings and a $100 loan at 3% interest. Ally savings accounts are at something above 4% right now, so if you put that $100 in an Ally account and can afford to make the minimum payments without withdrawing that $100, you're making $4/month on savings interest while only paying $3/month in loan interest. If you pay the loan off over 10 months, you profit $10.

There are relatively safe ways to net 5+% on your money, like CDs or bonds. Or you could gamble your money in the stock market or an index fund, but obviously that's riskier.

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We live in brutal capitalism, and instead of paying for it, we should brutally use it. The problem isn't some idiot in power giving you money. Take the money! Take it without moralistic feelings of guilt. The next day kill him, and if he says, "But I gave you money!" tell him, "You idiot! Why did you give me the money?"