Having debt is always bad. If you can without a burden, pay the car off.
Depends.
Refinance the car if you want to build your credit score.
If you don’t care about your credit score, pay off the car.
Buy coke and hookers, always a good way to get a blow!
If you have 12k then pay off the car, if you don't then I'd keep paying on it and work on building up 6 months expenses. Then I'd look at investing. Just me personally.
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