<prompt> Human: As the title mentions, my girlfriend 20 and I 21 are considering getting an apartment together. Weve been cohabiting my mothers basement for the better part of a year now, and were both ready for a change. A little bit of background on our financial situation; shes graduated with her Associates Degree, working full-time making 30kyear, no debt and about 3k in savings. I am also working full-time making about 26kyear, I owe about 12K on a student line of credit and 3k on a Student Loan, and no savings. I have my Associates Degree as well - but intend on returning next fall to pursue my Bachelors Degree.Our monthly costs, currently: Rent: 300 Gas: 100 Internet: 75 Phone Bill 1: 35 Phone Bill 2: 45 Food: 200300 Insurance: 210Total: 1065, so roughly 532 each. With the rest of her monthly income going into her savingsleisure expenses, and the rest of mine going into my loans.Id like to have atleast 3k in savings for myself before wed even begin looking for a place. Our monthly costs are projected to increase to about 1600-1800month. Is this a good enough plan? Do you guys think were ready? Any advice to offer? Thank you in advanced!  <response>: Heres an idea: Pay your mom 1000 rent for the next three months - either ask her to hold it for you or just put it into a savings account. If you can swing it, then make the move and youll have 3k in savings. Better yet, do it for six months. 