Quick update on the aunt situation. I've talked to her, will be transferring the money directly. I decided on doing a lump sum because I takes a lot of coordinating for me to make it to a bank, and checks take time to clear, so once trip to the bank works for me.
On a side note, I know people can transfer money using e-mail, but I've never tried it. It feels a little unsafe. Not sure if that's a reasonable fear, maybe i'll eventually catch on to it like I caught on to online banking.

Back to aunt. I didn’t discuss a repayment schedule yet. I know she won't be in a position to pay me back for awhile. After school, she will taking more junior positions to break into the industry, which means she's taking a pay cut. Also, my cousin is getting close to college age, and I know she has to starting saving for that.

No matter. I just do a little reallocating. Remember I postponed buying a car in August. Now that I can walk to work, I don't really need a new car. I will just put off that purchase for awhile longer.