<prompt> Human: PROS: 1 I do not accrue interest on student debt 2 I do not have to worry about my student debt CONS: 1 I do not get to build credit? 2 I will not have 63k sitting around. Any suggestions? EDIT: Thank you all kindly for posting. I have an appointment with a professional to discuss this further. I suspect that his advice and that my action despite his advice will be to pay off student debt, but I will withhold judgement until I talk to him or her.Assistant: Youve left out the most critical piece of information. What is the interest rate on your student loan? Human: They are all about 10.  <response>: Yikes. Pay it off. 