<prompt> Human: A few years ago I took out a personal loan to consolidate debt. Ive been paying about 250month on it. Im at the point now where Im able to pay off the rest of the loan 3000, but have heard its best to simply make the payments through the length of the loan, as far as my credit score is concerned.Is this true or is it of no consequence? The APR on the loan is 6.75, so if I were to wait, Id pay 100-200 dollars of interest, which is worth it to me if it helps my credit score its not bad, but Im mindful of helping it grow when I can.Any advice welcomed! Thanks in advance.EDIT: Im not investing this money elsewhere. Im either allocating the funds to a savings account from which the money is withdrawn every month, or Im paying it off in full in one sum. Im moving soon and am attempting to reduce my monthly bills.  <response>: If you were debt free and could go to the bank and get a 3,000 loan at 6.75 interest to build your credit, would you do so? If yes, continue to make the payments and start taking out more loans to build your credit.If no, pay the loan off, and consider focusing on building wealth rather than building credit. More credit seems to bring with it the opportunity for more debt, while more wealth seems to bring with it the opportunity for more, well, wealth.Good luck! 