<prompt> Human: I recently paid off my smallest and highest percentage Student loan, which dropped my credit score 3 points, according to Credit Karma. I had been paying back that loan for a little over a year. I can pay off my next smallest loan in roughly the next three months, but im worried that this will lower my credit score again. What if I pay off almost all of the loan, but leave just a bit in there to keep the loan open, does this work or is it seen as trying to scam the system?  <response>: Fuck your credit score. Pay off the damn loans. 