<prompt> Human: I have a loan where the payment is 100 monthly. I was told by the bank that my credit would be helped most if I keep the loan for the full two years. I was wondering, will paying the principal down low enough for the monthly payments to be 10 or so hurt my credit? Any advice is greatly appreciated.  <response>: No, it will not hurt your credit to pay down a loan early. That is absurd. 