<prompt> Human: Hey all, was hoping to find an answer to some questions I was having. So, Ive recently started a new job where Im making pretty good money. Im on track to have around 60k saved in a few months. Before I started this job though, my employment was spotty for a couple of years. I wasnt as fiscally responsible as I would have liked to be, and my credit score suffered currently its in the mid 600s. A lot of months it came down to Rent vs Student loans. My question is, if I have the means to do so, would it be wise to pay off all my student loan debt around 37k in one shot, or continue to make the monthly payments for the life of the loan. Any insight would be appreciated.  <response>: Try our guidelines on improving credit . Remember that time is the biggest factor in credit repair.You may want to seek a goodwill removal letter from your student loan servicer. Its not a guaranteed method, but they might be kind enough to remove it based off of your past history.You may also wish to consider paying off your student loans in full if the interest is 4, and get a secured card for credit purposes. 