<prompt> Human: Im 18, just started my first year of college, and decided to take out a student loan to start building my credit score. In addition to that, I have a credit card that I make regular, small purchases on, that I pay off right away. I have the full amount of my student loan debt in savings right now, and could pay it off whenever I would like. Would I even get any amount of gain in credit score from paying it off right away? Would it be worth the interest I have to pay off to have a longer payment plan, with more regular payments to show a history of making payments on time, for the better credit score and money saved on loans in the future?  <response>: Just pay it off, you dont need to pay interest to build your credit score. 