Should I pay off 20k of car loan or save up ?

Should I pay off 20k of car loan or save up ? As the title says, I currently have a auto loan of approx 20k usd, should I pay this off and lower the debt/income ratio or should I just save up. The loan has a 7.75 percent interest rate and 4 years are left to pay off Any advice would be appreciated.
submitted by /u/A-Sh-

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