<prompt> Human: So Im 25 living at home rent free. Really itching to get out after about 3 yrs at home post college. I made a big money mistake w college and went to a really expensive school. I lived at home to pay the debt down. Dont like to talk about where it started but its down to 75k. I make about 54yr currently. Rent would be 500-650mo. Id have a good friend as a room mate whos finances are very stable. The move would cross state lines, eliminate MA state income tax and cut my commute down from 1 hr to 20 minutes. The budget I ran would allow me to pay 1500 month to loans, contribute 7 match to my 401k, all bare essentials , and leave me with about 400 a month for non retirement savings and entertainment. Am I way off here? I still want to pay the debt down but its starting to feel like Im throwing away my youth living at home.  <response>: There are a fair number of people who dont live with their parents and make 50k with 100k in student loans who are able to survive and attack their debt.The question is will you do it. Living on your own will cost more and youll have to cut back more than you did living with your parents. 