<prompt> Human: as of August 2nd ill be 21 yo and still living at home. its not like i hate my parents or anything. they are great. they always tell me that no matter what i can always come home. but i still feel bad having to depend on them financially at my age. i have a job with the city that i get paid 11.21 and hour. i usually get around 25-30 hours a week depending on my school schedule. i am a history major at my local college. i pay for school myself with my own money350.00 per sem. and student loansover 20,000. i own my own car that is paid off. i pay 100.00 for car insurance and 100.00 for my phone plus i have a maxed out credit card i pay 50.00 a month on. i really need help figuring this out. any advice would be appreciated  <response>: You have about 500 a month in disposable income right now. Stop doing anything and pay off that credit card first. Then you can save money to move out. Youll need a roommate or two. If I were in your shoes, Id stay through college. You need all you can get to pay for college. You dont want to graduate with student loan debt that sticks around until your 45. 