<prompt> Human: I owe a little over 5k, and my payments are 120 a month. I dropped out of college but just graduated trade school and she wants to give this to me as gift. I have the money to make the payments no problem but isnt it a good idea to keep paying off the debt each month to help bolster my credit score?  <response>: Accept the gift, pay off the loan, and take your grandmother to a nice dinner to thank her for her generosity. 