Received 70k life insurance check,Don’t know what to do with it

Earlier this week I received a check from life insurance for 70k, I am 19M and lost my mother in April of this year, my dad passed away in December the previous year. Dad didn't have life insurance but mom did.I received my check in the mail earlier this week but I have some concerns before depositing it.Quick overview of finances/ inheritance

Inherited her car but she had payed it off fully She left me about 17k in cash I am currently employed as of August making 22/hour working 40 hours a week with a savings so far of 1,200$ from the job Have 15k in student loan debt I pay off my credit cards in full every month

My concerns: I have yet to pay taxes since I turned 18 as I have been under the 12,500 threshold so with this large sum of money I really don't wanna pay taxes on it I also want an option where l'm able to use the check in the future for business opportunities, It don't want it locked up as to where if I'm 21,22 and have a business plan that I can't use the money I also am covered thru the state for health insurance and don’t wanna loose that benefit I plan on going back to college in the spring and don’t want my financial aid to be affected either

Goal: I want something that would bring me the most returns for my money,Considering that is it a good idea to deposit the cash aswell with the check to max out returns/earnings?

Unsure if I'm leaving anything out, I have heard about a HYSA but am unsure if that's the best option, Just really don't know what to do and I don't wanna leave the check