<prompt> Human: my dad agreed to give me money to help pay off my massive student loans. Ill be using it towards the high interest loans and we agreed that i will be paying him a little bit every month. whats the best way to keep track of my monthly payments? should i deposit them directly to his bank account? an excel spreadsheet?  <response>: 1. Get a piece of paper2. Write down how much you borrowed3. Whenever you make a payment, write that down beneath it, do the subtraction, then write the new balance4. Repeat until Balance is less than or equal to zero5. Do not lose paperEdited to add: : 