<prompt> Human: Okay, only 38 points from 803 to 765. Now I have no installment loans, only credit cards. My oldest card is a few years younger than my loan, so it may be a while before I recover from this dip...But hey, no student loan debt! Worth it. ImgurEdit:Thanks for the encouragement everyone! I knew there was going to be a drop, and falling out of that 800 range gave me sticker shock. But not a big deal overall and I just wanted to put my experience out there as an example, since I did not see any specific information when I researched this issue. Good luck to everyone out there, debt free is the way to be!  <response>: Congratulations on paying off your student loans, and as I think you already realize this drop will have no effect on anything. 765 is still high enough for anything you want. 