<prompt> Human: As the title says, is it bad for your credit to simply pay off an auto loan in full? The loan is small, at 4000 and paying it off completely wont hurt my finances. Im going to school full time and having 1 less bill a month to worry about would be nice. But if its better in the long run for my credit score to just continue making payments above the minimum Id continue down that route.  <response>: Pay it off if you can, no penalties, etc. Fuck your credit score, get out of debt. 