<prompt> Human: Graduated college this May and started a job last month at a lil over 50k salary. I only have about 3,000 in student loans and the first payment isnt due until November. I was wondering if there can be any harm to my credit score if I pay off the whole balance before my first payment is due? Im not worried about tiny fluctuations but I wanted to know if making big lump sum payments to pay off the whole loan before payments start would negatively affect me at all? If anyone has any experience with it, advice would be appreciated. Thanks  <response>: Do not spend money to improve your credit score. It is not worth it. The money you spent on interest can do you a lot more good in your pocket than the banks.This is a common line thats used to trick people into getting into loan repayment plans that disadvantage them. 