I'd do the math, many loans have options to waive payments if you lose your job or get ill.
I'd weigh the cost of that service vs. the additional interest you'd pay in 3 years (or 4 or 5, etc.) and see which is a better safety net.
The loan is from a credit union and they do offer skip payment options but it's just once a year.
saving a few bucks on a interest vs a peace of mind that I can pay $200 bucks a month that I can get by selling some stuff on eBay or simply rent the car at turo for the weekend(remember only in case of emergency) vs $550 for 4 yrs.... Yeah not worth it
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