I have the 0.99% heating loan. I could pay it off entirely but I refuse to do so. Borrowing at 0.99% is like, FREE MONEY. I save money in a higher interest and tax free earning account, so I’m generating income on the difference at investing at 3-8% vs borrowing at 0.99%. Plus, when inflation is high, the repayment of your loan, in real, not nominal dollar terms, is less. Too bad the loan is only capped at $10K.