<prompt> Human: Here is my situation: i got around 30,000 in student loan at 7.9 interest. My cousin turn 18 and looking for cars, she said she properly go for some used car that around 10,000 by cash, which is under 14,000 free zone for gift tax. Im thinking about offer her a service which is help her to get the car from A to Z and give her 500 for letting me to do that. With the condition that she give me that cash instead of the dealer. My incentive is that I will use that 10,000 to pay for my student loan, then apply for auto loan, which have about 4, and pay for that car. Is it worth doing that ?  <response>: What? 