<prompt> Human: Hey all, I have my own personal student loans and my parents took out loans to help pay for college. I recently graduated and I started working 6 months ago.Personal student loans: 12k left Current accrued interest 10Ive been been paying off some of my loan in the past 6 months, which amounted to 500 in interest paid. I think the interest rate is very low, around 3 to 4. Parents Loans: 30kMy parents have much more loans then I do, but they manage to waive interest payments every year. Im not sure how it works, but thats what my parents told me. My parents are also paying it off on their on slowly, and havent asked for immediate repayment from me.Credit Card loans: 100Basically none, I always pay my credit card off completely every month as to avoid APR.I work as a software engineer in the Bay Area so my funds arent really limited. My monthly take home pay after paying rent is 2.3k. My company has an ESPP program, so I should receive around 12k worth of shares in March 2018. This occurs every 6 months so Ill get 10-12k worth of ESPP shares again in September 2018. I also have RSUs and I should receive around 40k worth of shares in September 2018. I filed my taxes for 2017 and got 9k in tax refund. I currently only have 1k in funds saved up though.I feel like this is a silly question, but is it better to just pay off everything really quickly? Some people told me that having loans is actually a good thing as its better for your credit score. Not sure how that helps me as I dont think Ill be making big purchases this year or next. Is it better to just squirrel away my money in investments and pay the minimum every month?  <response>: People telling you not to pay it off quickly mostly likely have been in debt forever and misery loves company. Pay them off as quickly as possible 