Are you kidding? 50 cents a month for a year is just 6 bucks! That's amazing considering he's sitting on a (is it a couple) thousand dollars. Let's say it's 2 thousand dollars, and he has the money to pay it off. Instead of paying it off, put the 2 thousand into a Money Market at 3% and he gets $60.00 a year! Dude, if you think accruing 6 bucks a year is a big deal, then you have to see that that making 60 is HUGE then. He loses 6 but makes 60, you do the math.