<prompt> Human: I recently heard that peoples credit scores have dropped because they closed their student loan accounts paid them off in full. Im still in the process of paying mine back and have quite a bit of work to do still, but I was wondering if I should maybe leave a 10 balance on the student loans and let them accumulate some minute interest and pay that off monthly rather than close the account?Id rather do this than basically be forced into buying things on credit to get my score back up.Thoughts? Experience? Credit score is around 710 probably.  <response>: Dont bother. Just pay them off.Just use your credit card for every day expenses, and pay it off every month. Just like if youd used a debit card instead. 