[Gundam-Dude]

we've chatted about this over kbo skype once but when I was given the same choices, I paid everything off in one lump-sum so I wouldn't have to worry about the burden and rack up the unnecessary interest over time. albeit, I pretty much spent next to no money for the months afterwards and kinda had no social life for a little while LoL

your circumstances are significantly more difficult though given that you're paying off a car as well, which really chips into your bank account