<prompt> Human: I am almost done paying off my student loan. I had been using the extra payments push back due date option for my overpayments, even though I paid consistently. I liked the idea of having a buffer if I needed it. As such, my next payment is due in mid 2018.I have the money to finish paying off my loan this year. But I am thinking about leaving it open with just a few dollars left. My student loan is my oldest line of credit by about 3 years. I know closed accounts can stay on my report for quite a few years. But having an extra year that my loan can stay on my report sounds appealing. The interest on a small final balance wouldnt be a big deal to me.Are there are repercussions or benefits to leaving the loan open for an extra year?  <response>: Pay it off and move on with your life. 