<prompt> Human: I have about 2.5K left in student loans and Im making 500 payments per month. I could pay them off now in full. However, I just started building credit a year ago 2 CCs now and loan, and was wondering if leaving the loan open for the next 5 months will help build credit faster for the duration of credit lines open criteria.Im paying 10 in interest a month a.t.m..I know this isnt a huge deal, but Im curious how this works. Im interested in getting a Chase Sapphire Preferred soon for the 400 and downgrading to regular Sapphire to avoid the annual fee.edit: CK score of 738  <response>: No, pay them off now if you can. Theyll still be on your credit report. Leaving them open will not improve your credit score vs. paying them off now. 