<prompt> Human: I have 17 student loans 17,000 debt and one credit card with a 600 limit which I dont carry a big balance on. When I checked my credit score, the lowest grade I got was a D in the Age of Credit History category because the average age of my accounts is 37 months. I would need 8 years for it to be an A. My family has told me they might be able to help me pay off all my loans so I dont have to worry about them anymore. I know the responsible thing is for me to pay my own, but thats another conversation. One of my concerns is that if if I pay off all my student loans, my credit history age will go down to 18 months because thats how long I have had my credit card for. I wouldnt want this to happen either and I dont want to get into more debt afterwards such as consumer debt. What can I do?  <response>: Eh, a little bit. But the fact is that you shouldnt pay interest to have a good credit score. You should have a good credit score so you can avoid interest. So take the freebie on the student loans.AAoA average age of accounts is a surprisingly small amount of your credit score. Just make sure youre paying your statement in full every month and youll be fine on time payments is the biggest part of your score. Open another card or two if you want while your score is still up, because credit utilization is a bigger factor than AAoA.Again, stick to only budgeted items when using your credit cards. Pay your statement in full every month before the due date to avoid interest. 