<prompt> Human: My mother recently passed away and left me a nice little sum of money to help me make my start in life. I will just lay it out as simply as possible and maybe you all can give me some much needed advice so I dont fuck this up.Im about to move to a new city and I have no employment yet. So I have nothing coming in right now I was taking care of my ailing mother, and while I do have a degree in english I just dont know what Im going to end up doing or what kind of salary to expect when I do find a job. Sort of lost there.I have 43,000 that I just inherited from my Mom. EDIT: This sum is life insurance paid to me in my name. I was the beneficiary. Sorry about not mentioning that, sort of a big detail!Debt:Student Loans: 50,000 interestCredit Card: 800Private Student Loan: 3,000Problems: My car is on its last leg and its dying but it still runs, maybe worth 500 to a grand max. I inherited my Moms car as well but she owes 4,800 on it. It has 100,000 miles on it and its a 2005. What do I do? I have to have a car, if I cant find good work right away Ill need it to do delivery work while I look and where I live its hard to not have a car. Do I pay off my moms and keep it? Do I pour 1,500 to fix my shitbox knowing its got 170,000 miles? Should I use part of this money to buy a newish car? If I do that, should I just pay it off in cash, finance very little to do my credit a favor? So lost in this respect because if I buy a newer car I didnt subtract from the debt I already have. Also, during my moms last year she took out her retirement money early to live on because she had no income. They took 5,500 in taxes out of that, I just got the W form in the mail. When I file her taxes even tho shes got a bunch of unpaid medical bills, would that money go to her estate, would I have to use it to pay down her medical debt Texas? Is it just money she paid and I shouldnt expect it back at all? If I do get it back would it be less? My name is not on any of her bills. Should I start sending all her medical creditors a death certificate to get them off our backs at home?What do personal finance, Im so glad I have this windfall but Im at a loss of what to do. Im trying to move forward in my life and Im so damn indecisive I need a trained mind to give me some insight. Thnx for reading.Am I over thinking all of this? I would love to hear some thoughts about the car situation too because its stressing me the fuck out! You all are the best, thank you so much!  <response>: Some BAD advice in this thread on the student loans. Do NOT pay anything extra towards them at this time. Youre unemployed. If anything you should be applying for deferment if you have federal subsidized loans probably wont help with the private ones. If you get it then the govt will pay the interest on your loans and the balance will stay the same until you get settled. The idea that you would clear off a big chunk of this long-term debt and then figure out your employment and living situations is just ridiculous.P.S. Maybe file for unemployment too, but Im not clear on your previous working circumstances. 