These loans have GREAT history.. meaning no lates or anything. I just started paying this last year as well.. I am on the 5 year plan for each I believe. Now, my question is would this be the optimal way in doing this? I plan on paying the remaining $50 on each one maybe in about 3 years from now or so.. that way, the tradeline stays open for a few more years. Does anyone know for sure or does it not make a difference and I should just pay the entire balance by june/july? Thanks in advance everyone!