<prompt> Human: Im a second-year teacher in Chicago, still living at home because I cant afford to move out - but I really want to! The district I work for may strike in January and I worry I wont have enough money saved up to get me through that time. When the teachers union went on strike a few years ago, it lasted about two weeks. I would love to move out by January, but I dont know if thats even reasonable.I owe my grandfather 3,000 since he let me borrow money to live off this summer. I owe about 4,000 to two credit card companies - Discover and Target RedCard. Last summer I bought a new car. My mother paid the 2,000 down payment and as of right now, I still have 16,000 left on the loan. My car payment is about 360 a month. Its a 2014 Nissan Sentra with all the luxurious add-ons. It cost about 22,000 new. Every time I say I want to move out, my mother says I need to pay her money back. The car down payment is the tip of the iceberg. She helped me survive when I was in school. I have no student loans since I had a full ride, but she paid for me to eat and she helped me get things for my classroom when I first started teaching. She also paid for my old car to get fixed when it was on its last leg. My car is only worth about 11,000 now based on the Kelley Blue Book because it got severely scratched all over two months into owning it. I told my mother I want to trade in the car for something used and cheaper and she said I was being irrational and shed help me pay for it. I know this is a trap and am not considering it. Should I try to sell the car? Its worth less than my loan balance, after all. I need a car most for the weekends and when the weather is exceptionally bad. The RedCards interest rate is 22. The Discover cards interest rate is 17. To be honest, my mother added me to her RedCard when I first started college before I had my own debit card or credit card so I could pay to eat. She used to pay for the card. It annoys me that she slacked for a few months about three years ago and now there are missed payments on my credit report. Since then, Ive racked up most of the debt on that card and its affecting both our credit. The Discover card is my own. Between both of them, theres 4,000 and Ive honestly only made the minimum payments over the summer. My monthly expenses are car insurance 100, gas up to 120 when I have to drive up to 40 miles a weekend, Spotify 5, therapy 60, my car payment 360, credit card minimums about 150 for both, phone bill 180 to help out my mom with our more than 300month bill, and the gym 10. I also put 100 into my IRA every paycheck. Theoretically this leaves me with a lot of money left over since I make about 1,600 every two weeks, but my district doesnt have deferred pay and they say we should save 20 of every paycheck for the summer.My therapist made me a budget to pay off my credit cards and get out of debt from my grandpa, but now Im wondering if there are any cards that I could qualify for that have 0 APR. That way I can transfer the balances and not have to pay interest. My friend gave me this idea and Ive looked before and have been rejected by the credit card companies. My FICO credit is about 630 according to my last Discover statement. I pulled my official credit score I forgot which of the three services I used about a month ago and it was closer to 670. Is there any card I could qualify for to transfer my balances? My therapists projected date for me to be credit card debt free is January 2016. I would be free from debt from my grandpa in March 2016.How can I realistically move out? My therapists budget relies on me paying about 700 a paycheck on the RedCard and then paying 300 on the Discover card with my next paycheck. Food has always been my downfall along with clothes but not so much recently, and she budgeted 220paycheck for food and entertainment. I would also pay my grandpa 100 each paycheck. In a month, this leaves me with about 580 to save if Im really sticking to my budget and not buying beyond that 220. After my cards are paid off, the money I would have been using to pay them off would go to saving for the summer. It makes me wonder how Im ever supposed to be able to move out - even with roommates.Ive given up on this sort of thing before because I feel like even if Im out of debt, I still wont have enough money to go around. Im scared that Ill never be able to move out and will never afford my own home or family. Please help me. I dont even know how much money I should have to move out. Rent in Chicago can be very expensive and my job is on the north side which is significantly more expensive than the south side. Its also not so easy to get to by public transportation which is why I feel like I need a car if I move out. Thank you in advance.  <response>: Dont move out until youve cleared that debt would be my advice. 