<prompt> Human: Lets say I get a loan for like 2000 and use that very same money to pay it off making minimum payments month to month? Sorry if there is a very obvious answer to this Im just thinking of ways to build my credit before I take out student loans  <response>: 1. This is a horrible idea as you would end up paying ridiculously high interest rates.2. You dont need credit history for student loans.3. A student credit card, or any card marketed towards persons with no credit history, would better help you build credit provided there are no annual fees and you pay the full balance each month to avoid interest fees. 