<prompt> Human: I graduated from a private university in 2015 and ended up leaving with about 150K in student loans including parent plus loans that I will help my parents pay off. I found a sales job in San Francisco right after college that pays about 50K a year. I have been paying 1000 in rent and paying 300 towards my loans per month. I love where I live and I want to make it work but also need to be responsible with paying back my loans since it is such a significant amount. I have been living paycheck to paycheck with these payments and saving no money this past year. I have had no guidance with how to budget my money. I know there are more career opportunities in San Francisco but the cost of living is extremely expensive. I dont know if I should save money, move back home, and live with my parents in order to aggressively pay back my loans now at 23. OR try to stick it out another year or two, find a higher paying job, and learn to budget more while living on my own.I dont want to have a life that revolves solely around paying off my loans but I dont want to get stuck in a hole by not being aggressive about it now. What are my best options?  <response>: Regardless of what you decide with respect to your living situation, you do need to work on budgeting. Its a necessary live skill and not exclusive with staying on your own or moving home. With that, I found myself in a similar situation as you when I was younger. I had a ton of student loan debt and had a decent job. But between rent and repayment I was paycheck to paycheck. For whatever reason I was dead set against living at home. I just felt like it would have been a poor reflection on me. Looking back i absolutely should have done it for a year or two to save more. 