<prompt> Human: Hey everyone, Tomorrow is going to be the day. Ill be making the final payment for my car loan. With that, I will be completely debt-free.Up until recently, I had been paying over 800 a month on various accounts with balances that never seemed to shrink until I saved up and started aggressively paying them off, one by one. Now Im finally free of this mess, so whats the problem?While paying off one of my last debts at the bank the other day, I mentioned to the lady that was helping me that after this, my car loan was the last debt I would owe. What can I say, I was proud of that fact. She advised me not to pay it off, but to keep it. She said something along the lines of having no debt is worse than having too much. She said it would impact my credit score in a negative way and that if possible, I should ride out the life of the loan.She also said that paying off debt early doesnt look good to future creditors, because it doesnt give you a chance to build credit, which is why a lot of places have early payoff fees.None of this makes sense to me, which is why Im here. Does anything she told me make sense to anyone here? Sorry if its a stupid question, it does have me worried, though.Thank you.Edit: fixed a word fail.  <response>: Places have early payoff fees for one reason and one reason only, imo--they are losing out on the interest you would have paid and want to recoup some of that. Congrats on the freedom! 