<human>: Can you provide a brief rundown of the text in within 3 sentences?

I'm not sure what the preferred way of paying off debt is to ensure a good credit history, and just in general, a happy life.

Details:

I have 35K in a car loan (<2%).

I have 10K in student loans (~3%).

I have about 45K in stock/cash (non-401K etc.) that I can semi-freely spend.

Because of the low interest rates, I don't mind paying off the car loan/student loans.  The monthly payment (Total) is about 1000 total though, which is a nice chunk from my paycheck though, is a burden.

I was wondering if it's good or bad to just pay everything off outright (Already checked contract, I can do this without penalty).

I am only burdened by the debts because of the 1000 monthly expense.  I wonder if reducing the payments (~800) for the car to be ~100 a month is okay and not detrimental.

Last bit of important info (I think), I have two credit cards which are constantly used, so I will still have a credit history from those.  I do not have a house, so mortgage or anything like that.

I know emergency fund is important, and I'll have some set aside.  This is outside of the amount I put above.
<bot>: Is it best to pay off all my debt now, or is it better to pay off most, but keep some of it for some reason, or should I keep making my monthly payments and deal with the debt.