<prompt> Human: I have 8,500 in student loan debt with subsidized 6.8 interest rate. I can easily pay it off entirely in the next year. A close acquaintance adamantly suggests I should pay it off in increments over the next 5 - 10 years in order to improve my credit score. I dont think its a wise decision. What are your thoughts, personalfinance?  <response>: No. 