<prompt> Human: Hello reddit! I am a frequent viewer but this is my first post. Without getting too specific, I am currently an active duty service member and currently attending college pursuing a Business Administration Degree. I have around 70 credits currently and I should be able to obtain my bachelors degree by the end of my current enlistment in 2017 if I continue to go to school. In 2017 I plan on making the best choice for my family if I will be re-enlisting or pursuing a MBA using my GI Bill. Fortunately I currently have a trust in my name for the sole purpose of education. I have a younger sister15 and am considering gifting this trust to her name considering she doesnt have the same benefits I do. Considering she is highly intelligent as well as a gifted athlete she most likely is in line for a significant amount of scholarships so if I can invest this money now that will be more beneficial for her future, it is definitely something I want to look into. I currently hold 25,000 worth of debt between my wife and myself for previous school loans as well as car loans that we are making payments on to build our credit. We mostly live pay check to pay check while not saving. We make around a combined net of 1800 every two weeks with the following monthly billsInternet 80, Cell Phones 180, 800 AutoEducation loans required. My wife and I are currently using a combination of Pell Grant and Tuition Assistance plans within the military to pay for our current classes. As of right now I dont necessarily trust the bullish stock market, and am considering shifting the funds to give them more security while making them more liquidatable if need be for 2018. Due to my age this NYS trust can currently be liquidated but I understand that I can save money by gifting it to my sister. Reddit, I am asking for your help, how much money should I gift her? If my intentions are good should I invest now to gift later with the intent of maximizing value? Should I set money in short term CDother options? and wait for more concrete numbers in the coming years? I know I should probably pay off my debts first but worry that it will affect our spending. For the people taking the time to read all this thank you. Reddit motivates me everyday and even if I get one bit of advice, its a success.Assistant: Why cant the money be used to pay off all of the student loan debt?Human: I thought about it but by making payments on our current debt although it is at 4.5 we are building credit.This could be flawed thinking though  <response>: Carrying a balance does not help you establish credit and costs you in interest. 