<prompt> Human: Im 31 and live out of state from my family, and my current vehicle a run down Jeep Wrangler wont hold up on the long distance drive to visit my family. As a result, my mom just handed me 15,000 in cash so I can buy a newer car to visit her more often. For those reading this thinking Im privileged, just know that my mom is a 67 year old factory worker making about 18 an hour working the graveyard shift. She apparently has been living extremely frugal and throwing as much cash as she can into a savings account.My situation: I just landed a permanent role with an annual salary of 55,000 at the beginning of this year. I have two credit cards, one has an owed balance of 1,850 19 and the other has an owed balance of 450 15. I took out a personal loan last weekend of 4,500 9.5 in hopes of purchasing a used car older than 10 years so dont qualify for auto loan. The car I was going to purchase turned out to be a lemon so I walked away. I have the 4,500 sitting in my savings account. I also have a student loan of 5,600 9.31 that I took out last year for a coding boot camp. I also have about 30,000 in student loans from university that are currently on deferment until next March.My original goal is to pay off my credit cards, the personal loan 4,500, and the student loan 5,600 before my larger student loans 30,000 exit deferment. Im not sure what the best course of action is but here is what Im currently thinking. Pay off the personal loan with the untouched loan money sitting in my savings. Pay off both of my credit cards and the code school student loan with a portion of the cash my mom gifted me, which will leave me with about 7,100 towards a car. I could either try to find a reliable car for 7,100 or I could pair it with an auto loan of about 4,000 with a much lower interest rate of about 4-5.Let me know if this sounds like a good plan or if there is a better way of of going about this. Thanks!  <response>: The best way to use it is as it was intended to be used. If you dont intend to buy a car, give it back. 