<prompt> Human: -So I have gotten myself into a situation where I have about 45K in credit card debt. Currently about 30K of it is sitting on cards with a zero interest rate done using balance transfers.I have a family member who wants to give me 35K to help pay off the debt. There are no strings attached to this, and this isnt a loan.What is the best way for me to approach this, assuming I accept the money? My though was to only pay off the credit cards that are currently interest bearing, and pay off the zero balance transfers as the promotional rates go away. What could I do with the remaining funds until I need them to pay off the credit cards? Is this even advisable so should I just way off all I can right away?Any ideas are welcomed.  <response>: So paying off 35k from a generous gift is good, but you now have 35k more borrowing power. What is your plan there?If you arent willing to cut those cards, or even cut those cards before you get the 35k, you are just starting the cycle again.As for actually paying it off, pay it off in the way that minimize future interest payments. 