<prompt> Human: Hello,My parents recently divorced and sold the house we grew up in. They decided they would use part of this money to pay off my and my brothers student debt. I currently owe 23k in federal loans with monthly graduated payments currently around 200month.A condition of receiving this money is that I must use it to pay off my LOANS. I cannot invest this in any other way or use it for other purposes.My question is: is it best to simply just pay off the entire loan at once and be done with it? Or is there any advantage to staggering itpaying it off in some large increments? I remember reading here once that paying off my loan can help my credit score but over 10k payments are considered gifts and will not help my credit.Is there anything else here I should take into consideration?Thank you for your help!  <response>: Yes, pay it off all at once. 