<prompt> Human: Currently 26 years old. I have 150k in student loans half are federal loans at 4-6; the other half are private loans than range from 8-11. However, I will have a job after I graduate that pays 150k salary before tax. Currently I live at home with my parents while going to grad school. The original plan was to get an apartment when I start working, and prioritize paying of the loans, while living off of 30k-40k a year. However, if I lived with my parents, I could pay off my loans quicker, in possibly 2 years or less. However, my commute would be 1hr 15min each way. I just wanted to get everyones opinion and thoughts on whether I should live at home with my parents to pay off the loans in 2 years or less.  <response>: I look at it this way, if your time is high worth obviously it is at 150k a year. Is it worth it to you to spend 2.5 hours a day on the road. I think the difference may be between paying it off in under 2 years vs maybe 3 years. If it is mostly trains I say it is probably worth it, if it is driving.. well, I did it for 2 years myself and I would much not rather do that again. 