[terry1156]

First, a big congratulations on the apartment. I will keep my fingers crossed that it all goes well and finalizes without any problems.

I would approach it in one of the following two ways. Although the extra money is a great surprise and will help you pay down your current debt a little quicker, it is not time to ease up and relax on paying off the remaining portion of the debt. The extra money helps a lot, but keep focused until all the debt is paid off.

Since you will have paid off 3 credit cards with $4000 of the money, that should free up the money that you were paying towards them. What is your plan with this money?

Although the best use of the other $1100 would be to pay off more credit card debt (if looking strictly at interest), if you think you will need it for your daughter's school, you can use the snowball technique and use all the money that was being sent to the 3 other credit cards to bundle it all together and make payment to the other credit card. This should pay off that much quicker.

There must be a reason that you feel you "won't have the will power to put away the $90/month that I'm currently paying towards that cc into the co-op account." I'm not sure if you want to share that reason or not, but if you have been managing to make the payment toward the credit card all this time, it seems that the will power to pay for something as important as your daughter's schooling can be managed.