Installment debt affecting debt/credit ratio

[Ryan Stirling]

I have student loans that I am paying. I just pulled my credit report and they are greatly affecting my overall debt/available ratio. What happens if I pay off one of the loans, do I lose that debt + what is available? I was considering paying off one of the loans, but will I be affecting the ratio in an unanticipated way.

Example:

Loan A $3500 Available - $2000 debt left. 57%

If I paid it down to let's say $200 5%

This would greatly improve my overall debt/available ratio; however, if I paid it off completely, I would then extinguish that debt and that credit available not including that good ratio in my overall ratio.

Please let me hear your thoughts on this.