<prompt> Human: I took out a loan for some dental work, but when I got my second opinion it turns out I dont need nearly as much done. I have ZERO credit history. I want to build credit, but I want to pay as little interest as possible. At what point would the amount of interest paid outweigh the benefits of building my credit?  <response>: Repay the loan. No sense in paying interest for no reason.Get a credit card if you need to build credit. 