<prompt> Human: I was admitted with a full tuition merit scholarship to a college Ill be attending in fall 2013. This does not cover room and board, but my parents will be paying for this. The schools financial aid package offered me a 5500 unsubsidized federal Stafford loan which was basically a slap in the face, heh. I dont need it, but I dont know if it would be advantageous to take it.Im wondering whether I should take the loan and just pay it back immediately with the money from my college savings to bolster my currently non-existent credit score. Should I take it or just decline it?  <response>: Dont take this loan. Get a credit card to build credit so you arent responsible for monthly interest, assuming you can pay it off monthly. 