<prompt> Human: Hey Im paying monthly payments for a couple loans around 4-5k total. Ive payed them on time for at least the last 12 months.I can pay them off in full right now, and avoid paying some interest.But it would only be worth it for me to do that if it also helped my credit. Will it helphurtdo nothing to my credit if I pay off in full?  <response>: Never pay interest to try to increase your credit score. 