<prompt> Human: Hello! I am a twenty-something with a young credit history. Score currently 782. The oldest account is about 6 years old, and its one of my student loans. Currently I have 2 credit cards the highest has a 15k limit that I keep under 10 usage just bills, gas, groceries, misc, a car that I refinanced in october 2016 1,900 remaining from original 12,800 purchase, and 10,000 remaining in student loans after graduating with 30k in loan debt about 3 years ago. Car payment is 156month at 4.6 interest rate. I pay 300month. Student loans have a min payment of 317month and I pay 700. The interest rates on pretty much all of those are 6.I want to kill off the car payment in full this month and then apply that 300 to my student loans, which would make it 1000month and kill my student loans in 10 months. So closing multiple accounts in 10 months. Of course the bank wants my interest money so they told me to keep paying the car. I am aware that my credit will take a pretty big hit from closing these out, but I am uncomfortable with debt and do not like having it. My husband and I are planning on purchasing a home in approximately 2 years. We have roughly the same credit score his car was bought in cash, zero student debt due to scholarships and have a pretty decent downpayment saved up so far, but I would prefer to put even more money into our downpayment savings by not having the car or student loans.Thoughts?? Would the big credit score ding from closing all those accounts in 10 months be greater than the benefit of not having the debt in the grand scheme of things?Edit: Paid off the car on 2618  <response>: Pay it off, remove the debt in my opinion. Think about it like this. If you were debt free and told that you could increase your score by X points if you paid Y a month every month permanatenly for life, would you take it? Some people might advocate taking that deal and taking out a loan for no reason but to increase score but I mean... really? 