<prompt> Human: Hello all,Im a recent college graduate and I have a job lined up starting in late July. Here are my financial details:Annual Income New job salary: 47k Current job last fiscal year info: 25kCurrent Monthly Expenses Rent: 530 Utilities: 40 Phone: 90 Groceries: 200 Car Insurance: 180 Gas: 160 Internet: 45 Total on my own: 1,245 Total with parents: 430 phoneinsurancegasStudent Loans 12,500 3.86 28,459.29 6.8 13,204.19 7.9 Total: 54,163.48Some more information about myself: these past couple of years with the 25k salary, I have been living EXTREMELY comfortably. Like, go out almost 4x a week and party blah blah blah, Im a college kid, or was. I figured if I dont change my already awesome lifestyle with the increase in income, I could pay my loans off between 3-5 years. But I am debating on whether or not I should move into my parents to cut that time in half. The commute to work from where I currently live is about 15 miles20min not including traffic, but Id be traveling out of the town center thus against traffic, whereas the commute from my parents house to work is 18mi25min. While moving back in may be the most responsible thing to do, theres also my sanity and freedom. I could pay off all my debt extremely quickly while living under a borderline nazi-ish household... or I could keep living alone in my own sanctuary but be in debt for a little bit longer. Personally, I feel like my expenses are so low, in addition to my debt, that I dont necessarily HAVE to move back in, but theres also that side of me that wants the debt to go away ASAP.What does rpersonalfinance think? Any anecdotes to help me out here?  <response>: I could pay off all my debt extremely quickly while living under a borderline nazi-ish household... or I could keep living alone in my own sanctuary but be in debt for a little bit longer. Given this situation, I would not move back in with the parents. I think your psychological health is important, too. I would try to pay back the debt as soon as possible while living on your own. Avoid any lifestyle inflation and use all extra cash to get rid of the debt. Pay the minimum required amounts on all debts, and then focus on the debt with the highest interest rate. can help you create a strategy for paying off the debts; it will help you see when youll be debtfree.Also please put a few thousand dollars in a savings account, so that if you suddenly have a financial emergency car repair, health problem, paycheck is late, whatever you dont run into trouble. 