<prompt> Human: Hello everyone! My wife has an auto loan with a remaining balance of 5200 at 5.50.Our monthly payment is 191 per month and we currently make payments of 200. This is my wifes first loan of any kind and has zero credit. Wed like to build her credit with this loan. My question: Is there any benefit to contributing more each month? We can easily afford doubling our payments each month to pay it off sooner. Or should we just contribute the same amount and pay it off at 200 a month...Our goal is to raise her credit score... Thank you! EDIT thanks everyone! This all makes wonderful sense. We will be paying off the car ASAP. I love Reddit.  <response>: Our goal is to raise her credit score...My goal would be to get out of debt as fast as possible, and pay as little interest as possible. Its a myth that being stuck in debt makes you a better credit risk. 