I absolutely would not pay the 10% early withdrawal penalty to save 3.6% in interest. Personally, I would not pay that rate off early at all. Those rates were a gift and unlikely to ever be seen again. Inflation is eating purchasing power away by the day, but you are locked in at 2018 pricing. That payment will steadily become a much smaller piece of your overall spending as time goes on due to 3-4% compounded inflation.

With your volatile income, I would much rather have the cash in an emergency fund. A paid off house doesn't put food on the table when you haven't worked in 3 months.

You don't strike me as the type that's going to blow the money on something else, so I would just park it in a money market earning essentially the same rate that you are paying on the loan, but with much more flexibility.

________________________________________
In a world of game takers, be a gamekeeper.

"Of what avail are forty freedoms without a blank spot on the map?"