<prompt> Human: Hi!Im a very debt-averse person and try to be debt free. I have a federal student loan that I could pay over a couple months if I pay it down aggressively I have a couple others but those are of bigger amounts so I want to start with my smallest loan and work my way up- theyre all similar in interest except for 1 thats higher. Its a 5 interest rate for a loan of 3,750. There are two negatives I could think of for paying it early:1. I have a young credit history, since Im 22. Its one of my older accounts- will paying it and effectively closing it decrease my average age of credit even more or will it still be taken into account? Im going to need to rent another apartment in a few months and want my score as high as possible.2. I realize you shouldnt pay debts first if investment return is higher than interest rate. I feel like 5 interest is a little high to prioritize investing. What do you think?Thanks, I appreciate your help. Update: I have an emergency fund and I do not qualify for any sort of public forgiveness. So paying off ASAP seems to be the answer! Thanks for all your help!  <response>: The 5 is guaranteed, the possibility of beating 5 investing is not. There may be some tax write offs associated with the interest on the loan, something worth looking into. I personally dont like debt, so I pay it extra to my mortgages and paid off my car early, even though the interest rates are were relatively low. To me there is an intangible benefit to having less debt. I invest with most of my spare money, but a portion definitely guess towards debt reduction. 