<prompt> Human: So my mother died earlier this year. She had a life insurance policy that I recently got my share of. Its a little over 100,000. I also work part-time and make around 15,000 My credit is poor because I have around 20,000 in student loan debt from Corinthian college, the loan is currently in forbearance while Im looking for ways to be forgiven for it. I also wanted to get a car which will be 20,000, and get a Roth Ira for 30000. Im wondering what I should do with the rest, I would like to go back to school for a worthwhile education. also would it be better to pay off my loan or wait for forgiveness. Any tips would be appreciated.EDIT: Thanks everybody for the sound advice! I appreciate all the feedback. Ive replied to some of you personally but for all of those I did not here is some more background info-currently I drive a 1992 Plymouth acclaim with 100,000 miles. I got it off craigslist for less than 1,000 and it serves its purpose well-It was my mothers idea for me to get a new car. she always said the Plymouth was a death trap and she wanted me to drive a nice suv or something.-Im a bouncer at a gentlemens club. I make 12hr with usually a 40hr work week unless we have a special eventwe have one at least twice a month-I did graduate my school with a certificate and a diploma for what I specialized in, I did not drop out.  <response>: A few thoughts:100,000 is a nice windfall, but it will go fast if youre not careful. You should start by reading the Windfall section from the sidebar.If you _must_ get a new car, then Id highly recommend getting a car cheaper than 20,000. You can get a perfectly functional used car for half of that price.You cant get a Roth IRA for 30,000. A Roth IRA is a special type of tax-advantaged account, but there are government-imposed limitations on how much you can deposit into it each year. Specifically, in 2016, you can only deposit 5,500 into a Roth IRALastly, Im no expert on loan forgiveness, but paying off a good chunk of your dept and re-financing the rest if possible seems like a good approach. If you decide to go back to school, make sure you really do get a worthwhile education this time around. 