<prompt> Human: I have been paying off my student loans very aggressively. I have until 2022 to pay them off, but I will be able to pay them off in full in the next 3 or 4 months. I have a couple of credit cards but no other debts. I was recently reading about how credit scores are calculated, and I was wondering if I could benefit from keeping my student loans as active accounts. Specifically, I was wondering if it would hinder my credit score to no longer have my 3 oldest accounts and only types of credit other than my credit cards. What I have in mind is paying off all but 1 or some other de minimus amount and then just paying the couple of cents of interest that accrues each month. Would this work? Also, should I even care I have a 776 FICO score?I dont know much about how the financial world operates, so any advice would be helpful.Thanks!  <response>: Short answer: Pay it off in full.Longer answer: It wont affect your score to pay it off in full. It will also save you the most interest.Even longer answer: if you want to continue improving your score, take out a decent rewards card, charge it with gas, groceries, etc. ONLY budgeted expenses and pay off the card in full when your statement comes in. 