<prompt> Human: Im working on saving money to buy a house, and I know how important it will be to have good credit to establish a good interest rate on the mortgage. One form of credit I have is my current student loan. My question is: Is it wise to keep doing monthly payments on my loan in order to keep that line of credit open as long as possible vs. just paying it off? Some details:The biggest knock on my credit score is that I only have 2 now 3 accounts open. I opened a new credit card a month or so ago for the cash back incentive, and to have a 3rd line of credit.My time line for buying a house is 2-3 years. I currently have a pair of credit cards and a student loan that work to build my credit between 750 and 800 currently. My loan can be repaid comfortably in about 6-8 months, if I really wanted to. If I do 100 payments, I can milk it out to about 36 months. The difference in interest between the two options is about 250 total, which seems negligible in terms of the interest I could potentially save on a mortgage by getting a better interest rate, even if its just a couple tenths of a percent. I expect perhaps foolishly that my credit will go over 800 with a 3rd account open. Getting it higher than that, even for buying a house, seems unnecessary. What do you think, reddit?  <response>: repay. You dont need to spend money on interest to build a good score. 