<prompt> Human: I know PF prefers to complete pay off loans but, I have graduated with 3 federal Navient student loans which I could completely pay off in the next 6 months. But after researching and my understanding it would be better for my credit score to pay them down to about 10 and countiuing to pay the remaining amount for the term.The reason why is that closing the account would put a drastic hurt on my credit score. The oldest loan is a federally subsidized loan that has been marked as paid on time for the last 4 years. The other 2 loans are 1 and 2 years younger with the same attributes. These loans will be on grace until November. 2700 4.6 4 years old1750 4.29 3 years old5,500 4.45 2 years oldPaying these off would almost be half off all my opened acounts. I have 3 credit cards with no balance, 2 year, 1 year and 0 year and a car loans 8500 1.99. Is this overthinking this or not.  <response>: Youre overthinking this. Theres no reason to pay a monthly subscription fee to increase your credit score. It might not work the way you want it to anyway. Just have a credit card that you pay off every month. That will do plenty for your credit score. Good luck 