<prompt> Human: Hi there! Getting close 2-3 months to being able to pay off my student loans. I currently have 20k in a savings accounts and have 20k left in loans I started with 105k and have been paying them down aggressively for 5 years due to a 6.8 interest rate, so I plan on using my savings to pay down loans when I have enough to be leftover with 5-7k in savings.Before I do this, is there anything I should be prepared for or know? I heard its wise to take out another credit card before you payoff your loans to compensate for the hit your credit score will take in closing out your loan account. Anything else?Thank you!  <response>: Make sure to actually call a few days ahead of time to get the payoff amount which can differ slightly from the account balance due to interest accrued. 