 his at least if he's debt free now pretty soon his credit score is going to disappear that's what happens when you're when you stop borrowing money your credit score over time usually six months to a year it becomes indeterminable which is basically what we would call maybe a zero credit score and that's not bad that's actually better than a good credit score when you think about it um in the market and so if that happens you pay off this debt he pays off uh