<prompt> Human: Like the title says, I just got a check with enough money to pay off my student loans and, even though it sounds crazy, Im hesitant to deposit it. Just looking for other opinions on this.A little back story. I work in education and dont make good money at all like 20k before taxes but Ive always been conscience about my money and work hard to save it. I buy my own things but my family is always willing to help me out with extra expenses when needed. I went to a private college and they helped pay for a vast majority of it. Im incredibly grateful for all theyve done for me and continue to do. Yesterday I was given a check from my dad for 12,000, enough money to officially pay off my student loans. After handing me the check he said the one condition he had was that each month I save and put away the money that I normally was putting towards my loans. I was shocked by the offer and was taken completely by surprise. 12K of student loans gone would be a huge burden lifted from my shoulders but at the same time I feel bad taking it. Theyve already done so much for me that I want to be able to do this on my own. Am I crazy for thinking that? Im looking for opinions on what I should do. And if you think I should take the money what would be the best way to invest the 150ish I was putting towards the loans each month.  <response>: If you feel weird about taking the money, you could always put the money you were putting toward loans into paying off your fathers gift interest free. This way youre still paying it yourself in the long run, but without the added payments of interest, saving you quite a bit of money in the long run. 