<prompt> Human: So my boyfriend and I are stuck in a debate about his credit score.His only form of credit is about 70,000 in student loan debt both federal and private. Hes aggressively paying it off and has a credit score around 680. I mentioned that he might want to open a credit card before he pays off his loans because itll help his length of credit history when he pays off the loans. He said that his score wouldnt be majorly affected when he pays off the loans and that he doesnt need a credit card. Basically, if his student loans are his only form of credit, wouldnt it be massively hurt when he pays them off? Or do they stay on his report as a good history?  <response>: If he doesnt have an immediate need for the 5 point credit hit he will take by opening a card, he should do so sooner than later.Everyone should have an end game in mind for credit cards. I started with no history, picked out three cards I wanted based on their rewards rotation 5 category card, every day 2 card, Amazon 5 card and ended up with them after about a year. Had to get a starter card, then a better starter card, then my three actually desired cards.Just make sure there are no annual fees and pay them off in full every month. Everything else is basically irrelevant. 