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The $6500 is a no interest balance. I just move it around when the time period is up. However, to your point, I would have paid it off but I just paid off a $12,500 1 year no interest loan that came due before the smaller one. As soon as I build up a little more cach reserve in my checking account, the $6500 will be gone, so it's really a non issue imo.

BTW, the 401k from my [ex]company is in Fidelity Magellan.
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