Need some guidelines/suggestions from you regarding visa interview questions related to financial st

Need some guidelines/suggestions from you regarding visa interview questions related to financial statements.
My required amount for the issuance of I-20 document is $36,000. My father has $12,000 in his saving account and the remaining amount he has borrowed temporarily(till the visa interview) from his friends which has been deposited within 1-2 week period.( i.e. in intervals of $ 3,000-4,000 daily). All of this transaction has been made in the last week of April. Now how to defend/justify this fluctuation of transaction before the VO? I have received my I-20 form and planning to go for VI.