Courtesy of Laura Dunn After I totaled my car in 2014, I entered into a $16,000, six-year loan on a used Honda Civic with a $259.26 payment and 5.59% interest.  I paid it off a year ahead of schedule, and immediately noticed three benefits I hadn't expected. I was able to put more money toward my credit card debt every month, I wasn't tied to my car insurance any longer and could opt for another plan with a lower rate, and I saw my cred...

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