<prompt> Human: I have the cash on hand to pay off my student loans about 20k. But Im trying to build my credit score and I know one of the factors is the number of types of credit you have. I only have one credit card and dont plan on taking out any other type of loan.Is it worthwhile to keep a very nominal 1000 or less amount unpaid on my student loans and make minimum payments for a while to build credit? Would this help?  <response>: Nope. Never pay interest to build credit - there are ways to do it for free.The simplest of those ways is grabbing another credit card. As long as you dont pay interest and you pay your card in full, on time each month, it will build credit nearly the same as your loan.Lenders do like to see diversity in borrowed accounts, but having the student loans paid off will show on your account for ten years. By then, youll have opened an auto loan or mortgage that will keep your diversity up.I know a lot of people say But I dont need two credit cards! There are people who have ten or twenty cards, and it doesnt negatively affect them. Play the credit game a bit and itll pay off. 