I consolidated my unsubsidized & subsidized loans. I now have 3 tradelines all are showing pays as agreed, but the consolidated tl's show a $0 balance. Is this affecting my utilization or my fico score in any way? Also the consolidated loans balance has never changed - I've been paying on the loan now since 2005 and it's still saying $6,470 as the balance. Is this the way student loans report?

Thanks