<prompt> Human: Ive been out of school and working for about 10 months and with my most recent paycheck I now have more saved up than my student loans. 30k saved vs 27k loans. My question is: Should I shotgun my loans by paying 1500 a month or should I keep paying the minimum payment and use my savings elsewhere. Which would improve my credit score?Currently 690-700  <response>: Follow the steps in How to handle . Dont pay interest just to build credit. You can build credit for free. 