Before I bought a house, I only had 2 credit cards and a student loan on my credit card, since I'd paid off my car loan about 9 years ago - and my credit score was still in the low 800's. So if you have a low score, it's not because you don't have enough credit, if you've had timely payments for 10 years on a student loan.If you've got the money and it's not that much - pay it off. No longer having an installment student loan certainly isn't going to ding your credit score greater than a company mismanaging electronic payments has the potential for. You can't control who services your student loan - so if they've already shown you they suck, why think it will get better? Pay if off and be done with them.
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