<prompt> Human: I just finally moved out of my house at 25 in hopes that I can finally be independent and grow up and I love it. I love having freedom to do my own thing and I love the ability to have company over :. In any case, I moved in with a long time friend of mine in July and I have been miserable every since. Hes incredibly hard to live with and Im not saying Im perfect but he complains and micro manages everything. Its like Im living at home, but worse. Financially, the rent is pretty average and I pay under 600 a month to live in a decent and upcoming area. The apartment is also nice. Rent is about 22 of my monthly income but I still find myself struggling to buy groceries sometimes after all my student loans and savings are accounted. I have found myself having to use my credit card to buy groceries sometimes. Nonetheless, I manage to get by and I have managed to get a nice little nest egg in my companys 401K and my own IRA. I am paying my debt off slowly here.So here is my dilemma: I have 3K in CC debt and 70K in Student Loan debt. The credit debt has been weighing on me for a long and its affecting my personally. For as good debt it and for as much as its needed today, I hate it. I hate knowing that I have this loan ON TOP on my unbearable student loan debt. I have been in credit card debt for 3 years and I just want it to be over. I can either:1.Stay at the apartment I dont like and slowly pay off my debt while enjoying my freedom but deal with a bad roommate and sometimes struggle to buy groceries. 2.Move into a new really nice apartment referred by my friend for 1000 a month 35 of my monthly income and have complete freedom and really enjoy living by myself. I can have company over and parties, etc. Its a really nice place and I would love to live there but I would be sacrificing a lot and my debt payoff would significantly slow down.I would have a hard time saving for retirement and buying groceries. 3.Move home and save all my money. Debt reduction would be pretty exponential but I would lose the freedom of living on my own. Dont get me wrong, I love living at home and begin around my family, but at 25, I need to start being more independent. Help? Assistant: Go live at home and suck it up. Part of growing up is swallowing your pride and not being a stubborn kid anymore. Allocate that 600 and your share of utilities towards that credit card debit plus whatever you were making as a minimum payment. You can pay off that credit card debit in 5 months. Once thats done now you have extra change to throw towards rent and fully living on your own. Human: Thats what Im leaning towards. Its going to suck but I definitely think Ill be better off in the long run. Debt just seems like a massive burden monkey thing hanging on my back.  <response>: Another benefit of moving home is flexibility. You wont have any lease to worry about and can keep looking for good deals on apartments in the meantime. Most of the time you have to line your move-in date up with another move-out date, and you lose some leverage in negotiations. You can even pick an apartment and try to wait for a specific building or room layout youd want. 