<prompt> Human: In the near future, I will hopefully be able to pay off a student loan early. The purpose of doing so is to reduce my liabilities and hopefully improve my credit score. The credit monitoring app that comes with my credit card creditwise includes Age of Oldest Credit Line as a metric that goes into the credit score, with the older the better. Two questions: 1. Will paying off this student loan early , which is my oldest line of credit, negatively impact me from this perspective? What Ive gotten from the sidebar, Closed accounts in good standing will continue to age until the 10 year mark from the date of closure. seems to indicate no, but I wouldnt mind some confirmation of that. 2. What impact should paying off my student loan early have on credit score, from the perspective of a credit issuer I want a better credit score to be able to be approved for a home purchase in the future?Thanks in advance!  <response>: Dont worry about credit scores. Having no debt is much more rewarding then a FICO number. 