protechig wrote:I want to get this taken care of for her ASAP, but I am wondering if it's worth it to reach out to the credit union for a PFD, or if we should just pay off the debt so it shows up as paid sooner.
My opinion is yes, ask for the PFD. The potential benefit - even if you're unlikely to get it (not saying you necessary are, but even if you are) - significantly outweighs the marginal positive of paying it off slightly sooner. If they don't accept the PFD, you should still pay it anyway IMO, but at most that will only delay it a month or two; whereas you'll have very substantial gain if they accept the PFD. Definitely worth asking IMO.