<prompt> Human: Ive been very aggressive paying off my student loans. According to the lender, Im not required to make another payment until sometime around 2023. I have 1k left on it, 6 interest. I can easily pay it off but I was thinking it might be good to go down to 100 per month to get the positive hits for making on time payments.My only other debt is a mortgage which I plan to attack next. I have one credit card that I use for everything but pay off at end of every month. I like its rewards program. Never had a finance charge on it ever. I have another card that I rarely use.  <response>: When I paid off my student loans, my credit score was hit by 6 points. The score recovered in 2 months.Never hold a line of credit you dont need.Pay it off. 