<prompt> Human: My fiancé and I want to buy a house in a few years. I took out 62,000 in student loans a few years ago hoping to develop a sound credit history. Post-graduation, with income from my new job, Im slowly paying off the debt at 3x the minimum payment. Fortunately, I will also receive 10,000 both this year and next year from my family, which can either come directly to me or be put into a trust though, once in the trust, it will not be accessible for a few years.So, I will continue to pay 3x minimum payment. My question is how to handle the extra 10,000 this year and next year. My two options are:1 immediately apply the 10,000 to my debt as a lump sum2 spread out the 10,000 over the course of the year to increase the size of my regular repayment.Which option will be best for my credit history and will help me get the better mortgage rate? Lump sum bonus payments or consistent, regular repayment amounts?  <response>: Credit history doesnt care how much you pay each month. Throw all 10k at the loan now, and you will have less principle, less interest. 