<prompt> Human: My situation: 90kyr, no debt or loans besides mortgage 150k, 30y, 4.25, frugal, 730 credit scoreFiances situation: 50kyr, 740 credit score, multiple credit cards but no debt on them, 25k student loans 6-8 interest, 2k loan on car at 2, and frugal.As were about to get married, Im advising her to aggressively pay off her student loans with her extra cash as Im paying for the house. Her family and friends are telling her not to pay it off because without debt, her credit score will drop. Their advice seems illogical to me, but she has respect for them.Would her score actually drop without loans? If she already has a great score, and continues keeping her multiple credit cards at zero balance, then what harm could paying off the debt actually do?  <response>: Her friends and family are morons.She should not be paying anything in interest for the sake of her credit score. Would her score actually drop without loans?Its debatable. On one hand her credit will show that she had a positive history of loan repayment. On the other, her score might decline slightly, because reasons.If she already has a great score, and continues keeping her multiple credit cards at zero balance, then what harm could paying off the debt actually do?Absolutely none in that case. She should pay off the loans.I paid off my student loans 27 years early. I currently sit with a credit score well above 800. 