<prompt> Human: Im 21F going on my last semester of college and will graduate in May. I currently have federal subsidized loans and will owe around 3000 after I graduate or less if I start paying now. Theres a grace period of 6 months before I have to start paying it back, but I have enough in my account to pay the entire amount in full. The interest rate is 4.450, and so Im wondering if its a better idea to pay the loan over the course of 5 or 10 years to establish reliability. I read that its good to have a credit mix like auto installments, and this will be the only installment loan I have. My credit score right now is 730 but my credit history is still fairly new almost a year and a half. I want to use these loans to my advantage to improve credit from good to excellent my goal is to be 750 or near 800. Im looking for any insight if this is a good idea or if it makes no difference paying now vs later. Thanks!  <response>: Pay off the loans. Use a credit card responsibly to build credit. Dont pay unnecessary interest to increase your credit score. 