<prompt> Human: Hello,I am a 23 year old who graduated last year with a degree in CompSci.I have about 70k left in loans. 23k in my name the remainder in my parents.I tried to make best of the situation, I got a job for 70k after graduation. I asked my parents if I can live at home if i cover my expenses, which I do. Right now after transportation500 and my monthly rent500 I pay 2800 a month to loans because I want to get rid of this debt ASAP. 70k debt is fucking scary. In 12 months I can bring this down significantly and focus on having a normal young adult life and not live at home. I pay the 500 to my parents via food shopping and billsour water, heat, etc using my credit card. it is interest free, and I will move the CC debt to an interest free one again after its trail is over so that way the 6-7k over a year or two doesnt accumulate interest. I spend my liquid money on my loan debt that DOES accumulate interest. My parents are asking me for like 400 on top of what I already pay to live there. they also want me out on the street because my mother says 60 percent of my income should go to her and 70k debt is nothing because in a few years Ill be making half a million...and that the government will forgive me eventually... I dont want to move out because I know with the income I have...I wont be able to pay everything...but the shit theyve said to me has come across...a little out of touchI have a bit of a toxic relationship with my parents...but Im not just trying to ditch them with 45k in their name... but I feel like thats the only option I have with them. Id prefer to avoid that. My parents signed the loans and didnt specify how much theyd owe I just knew 23k was in my name which seemed okay...maybe its all my fault but I was a dumb ass 17 year old who trusted my mom and didnt know how much she took out for me and Im trying to work with them to tackle this together but they seem to Not care and that my money belongs to them theyve said this and then the loans are my problem. I personally wanted to go to community college and transfer but they said Id never go anywhere if I did that...would have been cheaper...I honestly just need avice. I feel moving out makes sense but loan payments will become very difficult...and again, Id prefer not to leave my parents with the bill even tho theyre ready to just kick me out and dont care...If I didnt have the 70k over my head, I wouldnt be trying to live at home trying to save as much as I can for loans. Ive also considered trying to find work in perhaps a cheaper state like Florida or Texas? I also know rent needs like a year contract, which i am kinda afraid to dorent for a single is like 1400 and its short notice to find viable room mates...also wouldnt know where to go in 24 hours if they just kicked me ou which they are threatening unless I give them 400. Thanks again for reading.  <response>: Give them 400 to buy you time. Stop using your credit cards. Just stop. Do not get the idea of floating credit card debt. Its a horrible idea. Nothing will destroy your financial future faster than accumulating thousands in credit card debt. It essentially means you are moving from 6-8 loans to 25-29 consumer debt. You are 23, its time to get out on your own. Get some roommates, or a studio, pay rent, bills, ect. Reduce your loan payments accordingly, budget well, and you will get back on track to pay them down. Do not stop paying any of your loans unless you are 1000 percent sure of the following 1 you want to destroy your relationship with your parents 2 the loans are not in any way connected with your name.You are doing fine. 