I have 2 student loans that I've been aggressively paying down to reduce the interest. I would like to pay them off completely which I would be able to do in the next 9 months but I am wondering if it would be better "FICO wise" to keep these loans active for as long as possible. Any ideas??



Here's some background on the loans if it helps with any advice:

My student loans are my only debt whatsoever.

My bigger loan has a $7,000 balance (and is prepaid till 2011), is on all 3 bureaus, is in good standing in EX, EQ .............but TU has a 4 year old 120 day late. This loan has an 11 year history. Interest is 8%.

My small loan has a $1,300 balance, is on Experion only, has 150 day late almost 3 years ago with an 8 year history. Interest is 5%.