<p>I'm wondering if because they are subsidized, these loans will not build credit when I pay them back on time.</p>
<p>Once they go into repayment (and start charging interest), they will affect your credit (positively and negatively) just like any loan. Why wouldn’t they? They are loans you have to repay and on time, just like any other debt.</p>
<p>I mean if I repay them while they are still interest free.</p>
<p>Certainly. Student loans will appear on your credit report. (And paying earlier is great)</p>