<prompt> Human: I was 18... I was lazy... I thought it would be a good idea to take out a student loan and go to college... take all online classes... stay home all day and do nothing. So I did. It didnt work out, I didnt go to any classes, resulting in all failing grades, and now I have to pay back the loan. Heres the bad part... Its been 2 years and I havent even touched it. Please spare me the comments about how shitty or stupid I am. I know. Im now able to do something about that though.I have the 4700 to pay off the loan now. Im curious as to whether it would be better, as far as my credit score goes, to pay the loan off in full immediately, or to pay it off in increments. If I pay it off in increments, I can also erase my other debt with the money I have left over after my first payment700 debt to my bank and 500 debt to credit card, but it would be a great relief to have my student loan paid off so I could go back to school. Any advice you might have is appreciated. Thanks for your time and have a great day!  <response>: Will the loss of 4700 affect your life in any severe way cant eat, will be late on rent, etc? If no, then pay it off in full. Once its gone, you wont need to think about it again. 