<prompt> Human: I had about 2,000 left on a 5,000 student loan, so I used my federal tax refund to pay it off completely. I dont have any credit cards in my own name right now, and I know I need to build my credit so Ive been shopping around. I intend to pay everything off at the end of the month regardless, but despite that, is it worth waiting a month or two so that my closing out of that loan bumps up my credit score and reduces the interest rate on the card? Or is it too small to make a difference? CreditKarma has me in the low 800s right now. Thanks!  <response>: Your credit score is already very high. Its not going to make a difference. 