<prompt> Human: I have a decent credit score for how damn poor I am and how much debt I have, 740. I also have 30K in student loans, 23K of which are at a 6.8 interest rate.They are current in good repayment standing and when I dont reapply for IDR this October my payments will pick up again currently on IDR for 12mo paying 0mo - told you I was poor!.My question is: if I refinance my 23K in loans that are at 6.8 the other 7K have a reasonable rate, and that refinancing requires consolidating the loans - but will probably reduce my interest to 2.5-3.5 - is it worth it in regards to what will happen with my future credit score?I dont know anything much about how refinancing and consolidating can hurt, or help, someones credit and that is the main part of the question.Also, note that I am currently in route now now that I got a good job to pay off all 30K in probably only 3 years. 4 years MAX.Considering that as well, is it even worth it to worry about refinancing or should I just go with my game plan and pay these puppies off in 3 years?Thanks for any help... or criticism since I know people hate when other people dont know about certain things, but ask questions anyway - as if asking wasnt an indication that I wanted to learn those things. Sorry, just know how people can be, pisses me off.  <response>: Your concern right now should not be your credit score, its taking care of 23K of debt at 6.8 interest.Your credit score is a representation of how well you use credit. Paying your debts will have an effect. But unless you need to get credit in the near future, its really not relevant. 