If you could...

[disneysteve]

I know of no guaranteed returns that is likely to produce that, especially after tax.

Investment returns aren't guaranteed, but I'm willing to bet that over the long run, a well-diversified portfolio is going to significantly outperform a 5% return.

[Hot dog]

I would do exactly as you are doing it just makes for less stress in the future.

[boefixepa]

I'm another vote for PAY IT OFF!!! It just feels so good and you will now be able to invest more. The difference is not going to kill you, I promise....it's worth the feeling!

[Ima saver]

I say pay it off too!! I have never carried much debt. Once I got my house paid for, I was really able to save even on a very low income.

[n_vizion]

Debt makes my stomach churn. You are blessed to have the opportunity to pay your debt off at once. Many people only wish for that chance. I say go for it! You will most certainly be glad you did.

[FrugalFish]

Pay them off. Not having those bills to deal with every month simplifies your life tremendously! It is a psychological victory. If I could pay off my mortgage tomorrow, I would do it for that very reason.

I've just taken on a year's supply of 0% debt and am dreading even that! It's just having to keep track of another bill and budget it in...

Fishy