<prompt> Human: I am about to graduate and have a good paying job lined up. I am going to live with my college roommates for one more year because they all have one more year of school, they are good friends, and I have no reason to move out. This means my expenses will still be very low. By my math I can pay off the entirety of my student loans 20k in that year. I would like to do this because I am very debt adverse, but I am concerned about how this would effect my credit. I only have 2 accounts open, a credit card and my student loans. I will probably open a new credit card with a different company because there are some places that dont accept my current card but it will be a new account so it will have a ton of history. I have a 740 credit score right now, will closing one of my oldest accounts have a significant negative effect on my score ?  <response>: No, please pay off your student loan. I have never paid any interest and have a 780 