<prompt> Human: Hi all!Im 21 and currently in community college. Im going to school 16 credit hours and I also work 40hrs a week at my job of 3 years. I will be graduating with an associates degree in the spring and plan on transferring to my 4 year school I currently have gotten through community college on my own and have zero school loans and debt. I also have two cars valued atover 15k that are paid off. I live with my parents rent free as well because I have such a full plate. The school I plan on going to is about 40 min from my house but it is the completely opposite direction of my work. So I plan on looking for a new job once i start going to my new school. My parents tell me that I and welcome to live with them for as long as I want. I keep getting told from other friends and family that I should get an apartment near my new school and live out there to get the college experience but I am afraid of having to drastically cut my income to pay rent, utilities, food, gas, and school. Im stuck in between two rocks here. Do I continue to live at home, work, and pay my school myself. Or do I get an apartment and work and live the college experience but have my income suffer and potentially accumulate debt from school loans?  <response>: Stay your course. Do not take on student loan debt unless you have to do so. The college exlerience isnt what its cracked up to be. 