<prompt> Human: Hello!I am 24 years old and 1.5 years out of college not really using my psych degree and find myself with 34,000 of student debt. I moved back in with my parents 50 minutes commute to work now to save money. I make 31,000 a year at work 24,000 after taxes. My monthly expenses are:Loans: 341 minimum monthly payment details below Gas: 180Phone: 61I am saving a lot of money by living at home but as great as it isas great as my parents are it obviously isnt ideal to live with your parents at 24 and I would like to move soon as I have already been here four months. The commute adds an hour and 40 minutes onto my day especially with the coming wintersnow and bad roads. Luckily my parents are letting me use their vehicle its required for my job at no cost! However once I move out I will need to start paying the insurance about 65 a month Since the cost of living downtown is so high, I cant really afford to move out without getting a roommate. My boyfriend offered to let me live with him for only 300 monthly plus half of utilities so roughly 350month. He lives right downtown near where I work. the interest rates on my student loans vary from 3 up to of 6.8. I have looked into deferment and forebarence but do not qualify with my income and also refinancing doesnt seem to be an option. I have been trying to pay my 6.8 loan off first originally 2,000 and now I owe 1600 but not sure how much to throw at it since Im trying to save up a nest egg living with my parents. I really want to avoid waitressing and bartending if possible. I would love advice on when to move, how to manage my debt, and how to live on 24k a year.  <response>: Nothing to be ashamed of living at home. Im almost 30 and still living there, but recently the reason shifted from being in college and helping mother to just helping mother because she hasnt worked the last 10 or so years, ever since my grandfather passed away and I pay for a large portion of the bills. Been telling her she needs to do something again. I have been saving money but I want to pay down my debt, or at least half of it, before I move out. I WILL move out someday, but I am perfectly fine staying at home although I hate moving so thats a small part too. Did enough as a kid. As long as youre not freeloading off anything you shouldnt feel compelled to move out because hurr durr Im 24 and live with my parents. Such a loser. Drop that mentality.Regardless, pay off the highest interest loans first. 