<prompt> Human: I was incredibly fortunate to have a wealthy relative give me the remainder of my student loan debt in one lump sum. I would like to pay these off fast to prevent accruing more interest. I am curious what is the best way to pay these off to still help build my credit i.e. Pay it all off at once? Over 6 months? Years. Any advice would be great!  <response>: Just pay them off immediately. 