 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