Paying back quickly reduces the amount they can earn, lowering your credit score.

Straight-up lie.

No, it doesn’t fit the definition of a lie, I didn’t know any better, so it was ignorance, not a lie, it would be nice if you could edit and correct this line.

---

The way I understand it, to raise your credit score you need to slowly pay back your loans, so you pay back maximum interest.

You don’t understand it.

I wholeheartedly agree with you there.

---

Overall you do seem to know the subject better than me, so I will mostly defere to your judgement (apart from the thing about me lying).