<prompt> Human: I was fortunate enough to come into a sum of money, selling some stocks given to me as a gift, and money accrued from unused vacation time at a previous job. I used these funds to pay off my car, credit cards, etc. I have about 6k in student loans that i could pay off with what is left and a little out of my savings. However I have been told by a few people that paying off your debit to quickly can negatively affect your credit. Last time i checked my CR i was hovering around 720. If i paid these off would it be a negative hit and if so how badly?  <response>: Check out the Credit section in the sidebar. My God, the credit companies have indoctrinated us well. 