It depends on the value to the OP. If paying down the larger loan keeps the OP on target of decreasing debt and feeling better about it, then the $25 could be worth it. The point I was making was in response to it being easier to keep up with one payment over two. IMO, it is easier to keep up with two payments than clip 100 $0.25 coupons and use them at the grocery store. The coupons would take a lot more time and organization than paying two CCs instead of one.PSU
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