<prompt> Human: Heres my financial situation. Any advice would be amazing.27 year old female. Income is 65kyear or 3,500month.160k in student loans: 52k at 8.5 75k at 8.13 33k at 6.8I know, I know. Ivy league masters program, no financial aid, not smartIm currently living at home with my parents in California, paying minimums on student loans 300month and saving the majority of my income down payment, see below. Car is paid off. Expenses are none to frugal. My parents are willing to help out with money, to the tune of 500month. I have good advancement prospects at my job and wouldnt be surprised if Im over 100k in a year or two. The thing is, I dont want to be living at home. I dont even want to live with room mates. I would love to own my own place. My parents are also pushing me to buy.So now Im in contract to buy a condo. 300k 1br, new construction.Its in a beach town and I view the price as slightly below market rate for the area, if you can believe it. Housing is always in high demand here, and prices never dropped when the housing bubble popped.I can put 47k down, and the rest is 30yr 4.336 fixed. HOA is 300month. Taxes, insurance, PMI are another 380month. Total cost would be 1,912month. I view this amount as affordable, and a reasonable price for a place of my own, if not a worthy investment. With my parents help, this scenario would involve me putting about 800month towards my student loans, increasing with my salary.My boyfriend generally thinks that I and my parents are clueless about my financial situation and his steadfast opinion is that I should live at home for the next 4 to 5 years into my 30s, throwing all my money and my parents money at my student loans until theyre paid off and that I should not be thinking about housing, getting married, or having kids until that point.What other options do I have? I dont like living at home but I think renting would be a worse financial decision than buying the condo. Help me!Assistant: The boyfriend is a keeper.Have you been approved for the loan yet? Your dti would be 54.I think renting would be a worse financial decision than buying the condoHave you used the Rent vs Buy calc in the sidebar ---Renting is not a bad financial decision.Human: The NYTimes tool tells me that buying is better than renting after 10 years of ownership in this scenario screenshotAssistant: Did the NYTimes tool also account for your 160k student loan debt, the ones youre paying minimum on?Human: It does not factor debt in, but I dont think my debt will improve the financial soundness of spending money on rent.  <response>: What rent? If you continue living with your parents, you avoid paying rent and you get 500 a month from your supportive parents. Id be jumping up and down with joy with this arrangement if I had 160k in debt. 