In the quest to pay debt off as quick as possible, people try to find unique ways (“hacks” if you will) to reduce the timeframe and interest charged. The most popular - and successful - method is the snowball method or one of its variants. Another trick is to split the payments into two or more payments a month.
Replacing the cabin air filter is one of the most neglected yet easy-to-do maintenance items that car owners should do. It’s probably neglected because cars used to not have cabin air filters, and auto repair shops want to charge an arm-and-a-leg to replace them. The cabin air filter itself is fairly cheap.