<prompt> Human: I am sitting around 11k in student loans. I am making an active effort to finish this as soon as possible, but have been told to keep them around because it helps my credit score as an installment account. My credit score is healthy and I would like to keep it that way. As a note, I currently am investing in a Roth IRA, a normal investment account, have a good emergency fund and am doing well financially. As a recent graduate I just believed that it would always be good to just get them paid off as soon as possible.  <response>: Do not pay interest to build up your credit score. Check the credit building page for better ideas that wont cost you money. 