Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX