<prompt> Human: I have another 4 terms before I get my bachelors degree, so student loans are still interest free. I have no need for the money, and my intention is to open a new bank account specifically for the money I borrow. Kind of an out of sight, out of mind deal. I will pay it back before I start accruing interest. My thinking is that, if I dont touch the money I borrow, I can pay it back without issue and gain a little pick-me-up in the credit department. I want to know if the PF community has any suggestions or warnings before I do this. Maybe something a bank wouldnt tell me?  <response>: Never take out loans just to build credit. Good credit scores can and should be built for free. 