How much is in my efund? (Rhetorical, not asking you to reveal actal figures). Would it take all of it? Can I get no-interest form the dr/etc? How much interest is my efund earning? And so forth.
If I could have it paid off w/ say half of the efund and it would leave me w/ a decent amount left, I might go ahead and pay it off even if I could get the no-interest thing. Especially since my efund is in a MM act and only earning 1.25% right now
. If it was going to take most or all of the e-fund, no way, even if I ahd to apy a little bit of interest. I might go ahead and pay part of it and do the rest in payments.
Of course, all of this depends on how one feels about carrying debt.