<prompt> Human: Even though its a low factor on a credit score, 21 accounts is excellent. Now it seems these include closed accounts depending on the lender if they report closed. Looking to by a house in less than 2 years and at the tail end of paying these multiple student loans. It would seem the score may drop if they were paid off so keeping them open with a very low balance sounds like a good idea until the house is purchased. 100 with a 6.5 APR for 16 months isnt going to be missed.  <response>: Pay off your loans. Extending them unnecessarily just because you think it is going to improve your credit score is pointless and expensive. 