<prompt> Human: My late grandmother left me 30k. I would appreciate any advice on the wisest way to use this to better my financial footing.Heres my current debts:Car new 30k 5.5Credit card 5.5k 12.99Fed student loan 22k 5.5Navient predatory student loan 13.5k 11.5Medical 200month until August 2019 0The navient loan was my largest mistake as a teenager. I borrowed 6.7k from them over ten years ago, and barely moves when I make my monthly payment. I feel like this needs to go now.Since the navient loan is almost half accrued interest can I use that to reduce my taxable income at year end?I have no savings besides my 401k. I bring home 4.2k a month after taxes. Rent is only 885, powerutil is about 100 a month. Gas for car about 100 per month. Come spring Ill receive a 10k bonus.Id really like to own a home. I think my income could fetch me something around 200k comfortably. Im single, no kids, and unfortunately no SO. I know debt to credit ratio is a thing, and I have 30k in available credit. Currently, my credit score is just shy of 700.Im really unsure where to start and how to best plan.  <response>: You kicked the buying a house can down the road by several years when you bought that expensive car. Try to work your way to 0 debt, then get to 40k plus, then you could afford to put a downpayment on a house. Realistically youre a long way from that. 