[hkarthik]

what's the benefit in not paying it off quickly if you can?

That monthly payment is extra cash you could put away into savings or other investments, presumably at a positive interest rate. Even if the market sucks and interest rates on most banks are terrible right now, at the very least, it's still money you could have invested in yourself with some positive return.

[tedunangst]

You basically just advised doing exactly the opposite of what you wanted to advise. The money used to pay it off quickly is the extra cash you put away in other investments. If your choices are pay off a zero percent loan or invest for a positive return, you don't pay off the loan.

[hkarthik]

Point taken. Keeping a larger balance for investments does make sense.