<prompt> Human: Background:Im 20,male,live in the southern US. My parents decided to stop filling out my FASFA during college,and as a result I had to drop out of college and move back home. That was in January of this year. I had to live off of a credit card I had because I was unable to find work, and they were not supporting me prior to me moving home, and I have that bill. about 900 I worked hard on volunteer work, that landed me steady employment. Now that Ive got a job that pays alrightfull time,35k benefits yearly raises they want me to pay back the Parent Plus loan that they took out for my schooling. The catch is that its more 30k worth of loans,and they havent been paying,so interest is kicking in. My mom offered to give me her old car so I could get to work, and she bought a new one. At the last minute, she refuses to hand over the keys to the older car and says I can have the new car. Sounded great, until I found out a week into driving the car that I would also be responsible for the payments for the car700 a month, plus insurance at 420. Its also an SUV, so the gas mileage isnt nearly as great as the little Volkswagen that I was going to get originally.I need to get out of this house, pronto. I dont eat out, I dont really have any hobbies anymore, and Im constantly treated like a failure because I didnt graduate. I work nights, so i dont even regularly see daylight. Ive got anxiety issues because my parents will regularly toss the room in a manner that can only be equated to a correctional facility officer looking for contraband, without warning or provocation. Anytime I ask for help, they guilt me into giving them money by calling me a bad son and tearing apart my room, or threaten to take the car away from me, even if Im paying for it.The car isnt in my name, they say theyll transfer it when I pay it off, which I doubtI loathe being at home; its why I was so motivated to leave for college in the first place. Theyve never actually taught me how to manage money, and they sure arent helping now. It almost feels like theyre finding ways to pile more debt onto me, and theres no way out. I dont even know how much money I owe for the car, and theyre not telling me when I ask. I dont know how much money I owe for the loans they took out for my education, and they refuse to tell me.How can I get my finances in order so that I can afford to move out of my parents house? Am I a bad son if I dont help them pay off that loan? Am I even personally responsible for that loan? Can they really take my car if I refuse to give them money?EDIT: Thanks guys for the assistance. I came here not looking to vilify my parents,but to look for financial advice. I was a more than a bit upset initially typing this all out, and I guess that shone through. Feeling like your family is using you as an ATM tends to do that. A lot of this is my fault for not being financially savvy enough to know whats going on and how to manage my money. Im not ever going to let that happen again.Im hearing you guys.Im going to ask for a temporary hold on those car payments, and Im going to save up that money and move out. Leave them the car, buy me a beater. Im pulling my credit scores, and Im finding some weird cards on there that I wouldnt be eligible to sign up for, as they were before I graduated high school. Not cool. According to Quizzle, Ive got an 8 year credit history, and 4 credit cards. 3 of them were established before I turned 18,and the other one is the one I know I have to pay off, and Ive started doing so. Im pretty sure I need to be talking to some creditors soon about this.Im looking for housing now. Ive found some decent places near work that are renting rooms. Im going to work early to see. look at some of them before I have to clock in.Im a bit tired as Ive been up since I got back from work,so Im going to bed, but I want to say:THANK YOU. This is adviceknowledge that I should have been equipped with from the beginning, and it was good to hear that Im not terribly bad off and I can dig my way out of this. I think I kinda needed that.UPDATE:Ive been calling up creditors figuring out which debts were mine . For those 3 credit cards, it looks like my mom made me an authorized payer, but shes still using the cards heavily and has paying no more than the minimum, and theres a large balance on all of them.around 8k,which is loads more than the school loans that are in my name. According to the credit companies, Im also not liable to pay them, as the bill is technically not in my name but in my mothers.However, its still going to affect my credit. I was told that my mom would be notified if I removed myself from the list so seeing as Im not liable for any of it, Im going to hold off on removing myself until Im out of the house. Ive also called up the creditors for the credit card debt is in my name, and with their help Ive setup a payment plan so that by the end of the year, I wont owe anything on credit cards. Ive also talked to the creditors that own my school loans, and while there are loans that are in my name from college, they arent anywhere near 30k, and Ive setup a payment plan to get that paid off as well. Im not going to be repaying that Parent Plus loan. I did a bit of digging on the car by calling up the dealership that sold my mom the car and found out that the car payments are really supposed to be 350 a month, not 700. To avoid suspicion, Ive been dropping those payments to the minimum amount and Ive been saving the rest of the money for a down payment on a cardeposit on an apartment near work. Ive also reached out to friends explaining whats been going on, and one of them whos also moving out is willing to split that bill with me as a roommate, so thatll cut down on costs as well.My dad actually walked in on me looking at my credit score and while I was trying to figure out who who I actually owed and who i didnt.-apparently looking at the fact that there cards on there that were opened up when I was 12 made him realize what he my mom were doing to me, and hes now swearing up and down that he did not have any involvement in setting those up, as he wasnt made aware that the cards existed to begin with, much less that it was affecting my credit score. According to him, he was told that the car WAS in my name, and that I was paying it off because I was a cosigner on the car with my mom, which explains he supported my moms behavior. After I provided him with a recording I had taken of me calling up the dealership my mom bought the car from and have them telling me that not only was I NOT on the loan for the car, but that the car payments were not 700 a month, hes totally changed his tune. Hes started to pay off the insurance for the car, so thats extra money Im able save now. It seems like for a lot of the family finances hes not just been kept in the dark about, hes been straight up lied to like I have. Hes apologized for allowing her behavior to continue and for his actions in supporting her, and now is doing what he can to help me get out of there as quickly as possible.At this rate, I should have enough money to move out and get a car before the end of October, and my credit card will get paid off by mid-November. The student loans will take a longer time to pay off, but the payment plan on those will get me out of the hole before the end of next year. Ive started packing my things in the SUV and dropping them off at a friends house before work.Ive setup a budget for myself that I intend to stick to. Ive gotten my hands on a copy of a For Dummies book on personal finance and Ive read it cover to cover. Ive talked to my manager about the issue, and hes put me in touch with our EAP service, and Im constantly getting advice from them as well as co workers as to how to move forward on getting out things like what to look for in apartments, how to get insurance, how to get a car loan to get a car, etc.Again, I want to thank you guys for giving me solid advice. The reason this happened was because I let myself get dependent on my parents, and because I didnt educate myself on how personal finances work. Im doing that now. Assistant: How do you end up with 30K in student loans and no degree? That is a ton, much more than most people get into debt to get 4 year degrees. Do your parents make a ton of money so you dont get much financial aid? Its should be pretty simple to tell them that you cant afford a car that costs 700month on your current salary. Get a 2000 beater car and youll be fine for a while. Time to grow up. Do you have a history of potwhatever that your parents are going through your room? Or are they just randomly going through your room for no reason whatsoever? Human: I never got to go further than the 1st semester of sophomore year-they stopped paying for the schooling the 2nd semester of freshman year without telling me. The only reason I found out was because I started getting notices saying I owed money. Theyve always randomly tossed my room on the assumption that something might be wrong since high school-Ive never been in trouble or anything, no record. Anytime I ask questions about my finances, or questions they dont like, the next morning I come home my room is a wreck. Bed in a different place, clothes everywhere, at one point my desk was missing and they only left me with the contents inside the drawers. I know this is the internet and all and you dont have to believe me but I cant think of a logical reason why they would do that to my room.  <response>: A, looking for your saved money Very likely based on what you told meB, looking for drugs because they are addicts Also very likely based on their behavior, its just you not knowing about it 