<prompt> Human: So I have enough money in my savings to pay off 22k in student loan debt. However, Im concerned that by paying off this loan it will negatively affect my credit rating because of how long its been reported in my credit profile been paying for close to 10 years.Im at the point where Im just ready to say eff it and just get rid of the debt, but I dont want it to be a huge setback on my score. Would it be a big hit against my score? Should I pay off only a portion so I can maintain some of the debt while keeping a good credit score?  <response>: Stop it - just pay it off. You do not need to carry debt to boost your credit score. 