<prompt> Human: Im currently 19 years old and will be graduating college at 22. With financial aid, Im currently paying around 12k per year for college 12k loan. So when I graduate I will be in 48k. When I graduate, my career pays between 70k-90k entry level and Im confident I will be able to get it. My question is at what age should I move out and should I move to an apartment or take a 15-year loan on a house? I live in the SF Bay Area so depending on where you live, it can get pretty expensive.  <response>: Your first goal should be to pay off your student loans. Debt is generally kind of a bad thing, especially over a long period of time.Id also test the waters with your new career, and work for a company for a couple of years before you double down and lock yourself in a mortgage for a home locally. The one main drawback of home ownership is a lack of mobility, so if you buy a house in the Bay for 500-1.5million average cost of a home, youre going to end up screwing yourself if you decide you want to do something else with your life. 