<prompt> Human: tl;dr Could go to grad school and live with family and take no debt, but it would be a long drive to school. 2 hrs 30 min round trip plus walking to classes.22 M, currently finishing an undergrad degree in economics in the US. I have been lucky enough to not have any debt for an undergrad degree, but have lived with family the whole time and not made many contacts or had much of that college experience. I am now looking to go to school for Finance, and if I continue to live with family I could get through that also without debt, or without significant debt. Maybe 1k-3k debt However itll be a very long drive, 2 hours and 30 minutes round trip. Longer, if you take into account walking to class.So Im asking, I guess, if its better to live with family or if it is worth it to go into debt maybe 20k to live on my own.  <response>: find a roommate and a job closer to school. 