Does a personal loan make sense here?

Rebuilding credit. Up to 650 now. Currently have a personal loan with upstart with 4.5k remaining. While I’m in a much better spot and should have some old debts paid off this year, I still owe my father 3k. I’ve unfortunately put that off because he’s a loving father and has allowed me to. But he’s getting older and I don’t want him to wait another year and it’s time for me to grow up!

I could take out another loan with upstart and get a few % lower rate, pay that one off, and pay him off and one other high interest card.

I could make double payments moving forward and pay it off much quicker.

I know this will affect average age (currently pretty high with 10 years) and will have things fall off in a few years. But am I missing anything else on why this would be a bad decision?

I know it’ll stay on account for 10 years once paid off, but would it be bad to pay off like asap? (Example get a 3 year and pay off in 1-2 years?)

My main concern is the average age going down, but I’d save minimum 10% on personal loans (shopped) and with no current rent/housing payment I can get through payments