<prompt> Human: Throwaway because friends know my main accountI am 80,000 in student loan debt. I know, its a lot. My parents didnt go to college and when I was accepted to a prestigious school in Canada I was overjoyed and went without a second thought. I lived with a roommate for the first half and alone for the second half. That was 3 years ago, and I had a small breakdown due to many factors and left in the middle of my second year. None of my credits transfer, its a total wash. For the past 2 years Ive been in community college starting from the beginning, taking as few classes as possible to defer my loans while going to therapy everyday, then getting a small job and then cutting out therapy because I felt I didnt need it anymore and was back to normal. Now I work 20-30 hours a week and make between 700 and 800 a month and I still go to school part time. I want to continue working at my current rate and next fall transfer to the state school to get my bachelors, as Ive taken nearly all the core classes that I can where I am. I anticipate I will graduate with my bachelors in 2020.My dad pays for my community college and I live with my parents. We have a good relationship but my student debt is a big elephant in the house. Ive made two payments of 650 on my loan because my dad insists that I should pay it off even though Im still in deferment. I agree, its a large amount and it will make it easier to manage in the future. At the state school he would not be able to pay for that expense and instead it would be a student loan, the unsubsidizedsubsidized one because its 12,000 a year instead of 2,000. I also have to purchase a new car soon, as I have an older car that will probably last another year at the most, maybe two, before needing serious work that would outweigh the cost of buying a new car. Because my school and work are both a 45 minute drive one way from my parents house but only 15 minutes between the two, and no public transportation around, having a working and reliable car is very important.However, my boyfriend and I have been talking about moving in together in a town closer to my work and school. He lives 3 hours away because of his job that he wants to leave to be closer to me, and for us to get our own place. He doesnt have any family around me and has no degree, and wants to go to community college to finally get a degree because he went straight to work after high school. The only way he could afford a new place would be if I moved in with him and we shared the burden. He would want to do the same thing as I do, where he goes to school part time and works 30-40 hours a week. He has very little debt, a couple thousand from credit cards but if he cashes in his 401k and saves heavily these next few months not only would that debt be gone, he would also have a good amount to put towards the move and a new place. He is very good with money and finances, and keeps a good amount in savings in case of emergencies yes he reads rpersonalfinance : but we dont talk much about our finances because we want to keep it separate until marriage. He does know of my student loan debt and we havent figured out much of a plan other than I continue to defer until I graduate, then get a full time job and a part time one to pay it down. I am 23 and my boyfriend is 28, and we have been together almost 2 years and want to start moving towards a future together, but not one forever burdened by debt and serious financial struggles. I cannot make payments on my student loans if I live with him, but I worry about the future of our relationship plus my mental health haha if I have to live with my parents for another 3-4 years. What would be the best course of action for me, and by extension us, to take?  <response>: The only way he could afford a new place would be if I moved in with him and we shared the burden. He would want to do the same thing as I do, where he goes to school part time and works 30-40 hours a week. He has very little debt, a couple thousand from credit cards but if he cashes in his 401k and saves heavily these next few months not only would that debt be gone, he would also have a good amount to put towards the move and a new place. This is a huge warning sign for me. If he cannot afford a new place without you, he cant afford a new place, especially if he knows and understands your situation. Outside of that, its really your personal choice. Is the stress of living with your parents greater than the stress of not paying off your student loans? 