<prompt> Human: Were getting 15k for a year and 5k for 6 months from family to pay off about 40k in debt. Were using Vertex Spreadsheet, and cant figure out how to put this in, we could add it as an additional initial payment, but that wont take into account repaying that money back.  <response>: 20k in loans that you need to pay back within a 1 year period. Treat that as a 1666.66 monthly payment and put the rest toward your highest interest amounts. 