My mother has offered to give us a small amount of money, which we can either use to pay down most of our debt, or we can put into a savings account, and then pay down the debt over time.
I also gave this problem (with the actual numbers my wife and I are looking at) to my 12th grade students as part of our review for their IB exams in May. One student’s reaction, "This is a real problem? Really? Wow."
*Disclaimer: The script in question is a work in progress, it may contain bugs, and should not be relied upon to do any actual financial planning.