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torunmetsfan t1_jegtyz5 wrote

Reply to comment by Cruian in There's no reason to pay more than the minimum for these debts, right? by [deleted]

Sure but there’s a mathematical/dollar value associated with having a better emotional state. And it’s such a small amount of money, it’s just not worth any effort/stress/time to arbitrage a $20,000 loan at 3% against a hysc at 4%.

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Cruian t1_jegudlj wrote

It depends on the person. I absolutely would put in the effort for example. Basically no extra stress, 5 minutes a month tops, can be done alongside my other banking already.

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