So I was just looking at my credit report, and realized that my oldest line of credit is my student loan. I opened it in August 2010, and I only have $2, 000 left to pay on it. I’ve been throwing extra money at it because after 10 years, I just want it gone! But my question is about my credit score - is paying this loan off early going to tank my credit? My next oldest is a credit card I opened August 2014, right before my wedding, so only 5. 5 years ago. It’s been paid off for years and I hardly use it. I really want to pay the student loan off and not really care about my credit score if it means we’re closer to being debt free, but we’re looking to buy another house in the next 1-2 years, so unfortunately it does matter. Has anyone had experience with this? What has a bigger effect - closing your oldest account, or paying off a debt in full?