<prompt> Human: I have two sets of student loans Ive been paying off for 2 years. The smaller one has only 500 left to pay 5 interest. The other one is a grouping of two sets of loans at A 11k left at 5.350 and B 3.5K left at 6.550. note that I cant pay A or B separately. My monthly payments to that one go into both repayments. I am currently paying all loans at least at twice the amount owed each month.I am so tempted to pay off that small loan, but I realize its the smallest interest so Id be better off putting that money into the AB loan. But my other question is: Would paying off the small loan negatively affect my credit score because I would have one less line of credit? I know that the longer you have credit, the better, so would be bad to shorten the lifetime of this loan? Id be saving a little bit on future interest on the loan, but I wonder what would happen to my credit score.edit: I dont have a credit card, so are these my only lines of credit? I have a 401k. Does that affect credit score somehow?  <response>: As someone who paid off their student loans 26 years early, I can say, without a doubt, that my credit score was not affected negatively by doing so. Student loans are not a line of credit like a credit card is. 