$15k gift, should I put it towards my house or student loans?

$15k gift, should I put it towards my house or student loans? My father passed away recently and my mother finally received a life insurance payout. On top of paying me back the money I’ve lent her since my father’s death, she is gifting me an extra $15,000. I have about $70k in student loans. I own a home with my wife. We have about $10k in cash savings, about $80k in retirement savings. We are both 29 ye...

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