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Request your 1098-E form for potential interest deductions. Even in the final year, you might qualify for a partial student loan interest tax credit
Request a payoff letter immediately after your final payment, you'll need it as documentation proving loan completion. It also protects you from future collection issues and it's always helpful for potential tax purposes
At this point any payments made will impact the next tax season instead of this one. If you do a lump sum, you avoid some of the interest that can accumulate onto it, but don't break your back to do so. If it takes too much from your finances to finish it, you can always do monthly then lump sum later at like the 3 month mark for example.
Chill the bubbly
Congratulations on paying down your student loans this far.
As for the payments or lump sum:
I'd look at how much interest would be added to that final amount, then decide whether your finances will be hurt, i.e. causing late or missed payments on other bills, or it will gut your savings and/or emergency funds to pay it off with a lump sum. If so, are you okay with those effects, and how fast can you bounce back financially? Remember, some billers will report a missed payment right away, others take their time, and some don't report to the credit bureaus.
You are the only one who can sit down and figure out which way will have the lowest negative impact on your life and credit report.
I hope this helps.
I don’t know what kind of cards and bank you use, but I used one where I got cash back. I used the cash back to go out for a nice dinner and celebrate.