<prompt> Human: Multiple online sources forewarn paying off your student loans too early having a negative impact on credit score, but none of them bother to define what too early translates into.Background:Im speaking of 5 federal loans:Three of which in the 1.5k range, one in the 2k range, and one in the 3k range. All of these were taken out back in 2008. All at 6 interest rate.Over the years I was irresponsible and they defaulted, but I was able to get back onto rehabilitating them back in 2016. All are considered current by now.Fortunately these are so small and I was thinking about easily paying off two of the 1.5k loans.What is too early and should I zero out the ones I easily can to improve my score?Or would I be better off continuing to satisfy the total minimum payment 150month ?I know it seems like a nobrainer to NOT carry a balance that can easily be paid off just for the silly sake of credit score, but Im looking to buy a house soon. Tired of renting.Between the 3 bureaus, one of them has me at a score of 675. Trying to get myself in the 700 range.  <response>: Pay them off! Get a credit card to build your credit, dont carry a balance and dont pay interest fees. 