<prompt> Human: Im unsure as to what is the best route at the moment. I currently live at home, with minimal expenses. I pay for my car lease 200 a month and necessities for my dog. I bring in about 1600 a month, but put 1200 of that towards student loans each month. Ive saved up 10,000 for my emergency fund, and have a few thousand in another savings account. Im 24, so right now Im still on my parents health insurance and they pay for my car insurance as well. My dilemma is that I want to move out. Ive been looking at condos that would be between 500-700 a month, which would always cause me to have more expenses. Ive tried to budget it out, and I think I could manage but I would be making the minimum payments on my student loans and not saving any money. I owe 18k Im student loans right now. I would also have to put down about 10 percent for the condo, which would cut my emergency fund to 7k with no real savings left. Would it be more viable to try and use my emergency fund and savings to pay off most of the rest of student loans, and put off moving out for 6 months to a year? While living at home I could recoup most of that money, while also not really needing an emergency found during that time.  <response>: Pay off your student loans. That accrues interest and youll have more peace of mind and Money in YOUR pocket when you pay it off. Which will free you up to move out of your parents house without the headache of deciding whether you should do this or that.. I think its great that youre only 24 and have so much going for you. You have your whole life ahead of you still... end that student loan and then FLY FLY FLY away!! 