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I paid off the last of my student loans today!
(sh.itjust.works)
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Well at least I know how much I still owe, now lol. Figures the credit bureaus are actually able to get information out of Nelnet, while us "consumers" are stuck in the dark.

I think in my case it's the average account age that's fucking me over. 2 Credit cards and car both under 5 years old, no other accounts besides my 15 year old student loan. My debt to credit ratio is only like 7%, so paying off the small student loan wouldn't improve that much.