<prompt> Human: So for the last year I have been working hard to pay off 50k in student debt. My student debt is currently at 32,500 at 6.12 and I am on Income-based repayment. I have been paying, on average, 1,900mo.My father-in-law passed in February and my wife will be receiving 17,000 from his pension. She isnt sure that putting it all to my student loans is the best use of that money. I have tried explaining that paying this debt off is the best savings plan we could possibly have, since no bank will ever give us 6.125 interest.We have only one car payment 0 for 60 months and rent. Her ideas are putting it towards a house payment which would literally be the first money we have ever put towards that goal, or savingsemergency fund current liquidable savings: 3,900.I appreciate everyones input. EDIT: My wife and I are just seeking financial advice. The differences in our thoughts of what to do with the money have nothing to do with whats hers is hers, and whats mine is mine. It is our goal TOGETHER to get out of student debt in 14 months started June 2014, put away an emergency fund, and save for a house. As part of this goal I have been working working a second job, and the biggest complaint she has relationship-wise is that she never sees me much anymore.  <response>: From a financial perspective, Id probably split it like ufireinourhearts suggested. From a marriage standpoint, since it was your wifes father Id do what she felt comfortable with in this instance. 