<prompt> Human: Basically, does your credit score improve with drawing out payments on time for student loans?I have to start paying back student loans soon, and Im not sure what I should do in terms of paying them off. Drop as much money as possible, try to get an adjusted payback plan dependent on my current income its pretty low, or a different method? Mainly looking for peoples opinions and education on what the best thing to do is. Thanks.  <response>: The best way to look at it is like this... if you have a credit card easy example and you are paying 19 interest on that credit card, but only paying minimum payments because you are saving investing your excess money. Well, if you have it in a savings account at 1 interest, you are losing 18 of your money per year. If you are investing, you have to have a rate of return constantly or 19 or more, or you are losing money. And it is almost impossible to get a constant 19 return, unless you are Bernie Madoff. The faster you pay off high interest debt, the more solvent and financially secure you will be. 