<prompt> Human: Im very responsible with my money. I paid off my student loans this week 6 years early. I selected the pay in full amount online on the Great Lakes website. After it settled I saw 0.01 was remaining. I call to inquire and their system apparently had messed up. I told them I payed the agreed upon amount to close the account. They told me they wrote off that erroneous penny and now its showing Paid In Full. Will this write off affect my credit score? Every step of this was Great Lakes error.  <response>: It wont affect your credit score. Its paid in full. However, paying off loans does cause your credit score to dip typically as it affects your line of credit amount and age of credit. 