Ok guys and girls I need your expert questions on this one. I have a 2000.00 dollar student loan thats about to come out of defult cause im in a loan rehab program; now i know my score should rise a lil after it comes out, but my real question is this, that loan is the only installment i have on my credit, with a balance. I have no credit cards no car loans no nothing, My question is this when my Loan comes out of default should i just pay it off? and if so once its paid off will it lower my fico score since i will no longer have a balance? or should i just pay very low monthly payments just to have some type of balance on my credit report, What should i do anybody know? please help?