<prompt> Human: Hey guys,So I am set to pay off my student loans by the end of this year and I had a quick question. I was curious to know if I should keep some of the loan and pay it slowly to build credit? I was thinking around 3,000 - 5,000 leaning towards the former to keep it manageable.Is this a good idea or should I just pay it all off?  <response>: Pay it all off. Its not a good idea to pay interest to build credit. Get a credit card to build credit, even if it has to be a secured one. 