<prompt> Human: Student loan information as of September 2017 before I paid them down Private Loan 1: 14,000 balance, 8.75, joint responsibility wmy dad as cosigner Private Loan 2: 4,000 balance, 3.50, joint responsibility wmy dad as cosigner NOT paid off - very low interest rate Four Federal Loans: 14,000 total balance, all at 6.55, individual responsibilityMy other accounts: 4yo car loan with about 10k remaining Checking, savings, and credit accounts with Wells Fargo that are about 11 years old. I keep my credit card at 1000-4000 balance of a 9500 limit. Obviously my checking account took a nosedive when I made the payments, which may have raised a flag?Score 1: Oct 2017 - 810s Came from a College Ave Loan Approval Disclosure, which claimed to be from Experian. I was exploring loan refinancing and did two hard credit pulls around this timeScore 2: July 2018 - 760s Wells Fargo soft pull tool, also Experian  <response>: Same thing happened to me when I closed out my student loans late last year. You lose points for Average Age of Credit. Lets assume that your loans were all 7 years old each, and you have 1 credit card that is 2 years old and another that is 4 years old. Previously your average age of credit was 5.6 years which is okay. After paying off your loans your new average age of credit will be 3 years, which isnt as good. I still think its bullshit that those accounts drop off your credit history when you close them. It sort of flies in the face of reason that by doing the responsible and smart thing in paying off your student loans you get a temporary Fuck You from the credit bureaus as a consolation prize. My advice, bite the bullet for now, your score will rebound back to where it was over the next 4-6 months. 