<prompt> Human: Hello all. I have 31k in defaulted student loans. I do have my credit score through a FICO report and its bad all 3 major are reporting around 500. My goals are to buy a house within a few years and to possibly get a loan it lease for a car this year. I do have about 460k in savings. I think I should probably contact someone my credit report didnt say who has my student loan debt before filling my taxes to avoid possibly having my tax return if any.I payed off all old debt, and even got some debt removed from my credit. I am currently battling fraud debt from a divorce 4 years ago.That all being said I think my best bet would to start paying off my student loans. My student loans, subsidized and unsubsidized, have not been touched. I could pay off all the unsubsidized loans, and start making payments. I could pay off the oldest loans, half of all loans, etc. Whats my best bet for the student loans? Should I go for a lease later this year or a loan for a car? Any other suggestions?Edit: The 460k was given to me and its all invested. That doesnt change the fact that I have 31k in student loans and horrible credit. If I just pay off all student loans, will my credit just start going up? I have nothing else that would report to my credit. I thought possibly paying on student loans for a longer period of time might boost my credit score.Edit 2: Apparently I made this post on the wrong day. Everyones post provided a biased pay it off. Did you just stop reading at 460k? Im trying to raise my credit, not just eliminate my debt.  <response>: Why do you have almost half a million dollars in savings and 31k in student loans defaulted? 