<prompt> Human: I am in my mid-twenties and just started working a job making about 3000 per month post taxes after finishing my masters degree. I dont have any debt from graduate school, but have about 17k in student loans from undergrad my interest rates vary from 5 to 6.8 over 5 loans. I am on an aggressive payment track and am hoping to be payed off within 2 to 3 years. My fiance and I recently had the finances talk. He has been working for the past 5 years at a well paying job he makes about the same as I do, has no debts, and has a significant inheritance that he has invested and put into high-interest savings accounts. He has the funds to pay off my loan all at once, and wants to do so to put both of us at a good place financially since our money will soon be our money. Some of my misgivings about this are personal I dont want to feel like I owe him this big debt and some are practical.So, is it a better idea to continue paying off my loans over time and accumulate interest and credit or to go ahead and pay them off all at once and we can then focus our credit accumulation on cards that we can pay off each month?  <response>: Never pay interest just so you can build credit. Having a few credit cards and using them on a regular basis paying them off in full every month will make your credit great, without paying a penny in interest. As far as paying off your loans goes, if you have he does the money, its a great idea, but I would wait until you are officially married. 