After tax returns on a 3-4% high yield savings account is still better than the 0% return of paying a 0% long term debt back years in advance and the negative returns when considering the time value of money along with inflationary impact. It's simple math. But if it makes an individual feel better to pay it off now to resist the urge of buying a Corvette or some other high cost purchase have at it. There is a reason Dave Ramsey is popular.