<human>: Could you distill the essence of the text into 1-3 sentences?

In 2014 my grandmother died, leaving her four children decent inheritance. My dad decided to give both my and my sister $14,000 each as a gift, with the intention that we use it to fund a down payment on a house. 

However, I have a student loan of $7,000 with a minimum payment of about $70/month. I was thinking of taking half of the inheritance money and paying off my student loan and moving the other half into a high interest online bank account. My dad does not like that idea and wants me to use the whole thing as part of a down payment. 

I am in a serious relationship (marriage within the next two years, we've discussed it) but am in no real rush to buy a house as my salary is still pretty low (34k), and my savings is still low as well. The soonest I am willing to consider a house is 3 years from now. 

There's nothing legally binding that says I need to use the money on a house. It's mine. I have no other debts. 

So what should I do? Keep the whole amount for a future down payment contribution or pay off my student loan and bank the other half?
<bot>: I have $14,000. Should I pay off my student loan of $7k or just keep the whole thing for a future down payment on a house?