<prompt> Human: My student loan balance is less than 2000 now 3.4 interest rate, and I have it paid ahead until next year. Ive never missed a payment and am able to pay it all off at any time.But I think it is definitely helping the average age of my accounts, and from what Ive heard showing that you can have multiple different kinds of credit is very helpful when applying for loans and negotiating interest rates. Student loans and a couple credit cards are my only form of credit. At some point in the next couple of years I plan on moving into an apartment and taking an auto loan, so I would like for my credit to be as good as possible.Currently Im paying about 5 a month in interest on the loans, but I figured a high score that gets me a better rate would save me more than 60 in the long run, especially for a high cost thing like a car. Is this correct, or should I just pay it all off?  <response>: Average age of account wont drop off your reports for ten years, even if they are paid off. As long as your credit score is good, I wouldnt worry about the negative impact of paying it off. 3.4 is a low rate, but you wont get truly guaranteed returns of that elsewhere in the short term. Personally, I would just pay off the loan as quick as you can and free up monthly cash flow. Use the remainder to put in a retirement account or a brokerage account. 