<prompt> Human: Im super embarrassed and ashamed to admit this. But Im 27 years old, and Ive never been financially independent. Im super lucky, I know this. I graduated undergrad with no debt because my parents paid for school, and when I couldnt find a job with my useless journalism degree my parents kept supporting me. I use their credit card. I only use it to buy food and gas, never any luxuries, but still. I got a minimum wage job at a grocery store and since then Ive just banked everything I made, even started putting money into a Roth IRA.I hated where I was though so in that time I went back to school to get my prereqs to apply for medical school. They paid for that too.Now, I finally made it in, and I know for once Im gonna be getting loans to pay for my medical school education. Theyve stated repeatedly they still want me to live with them and would support me financially the same. The medical school I made it in to is in my home town so staying at home is definitely an option- the school is only 20 minutes away from my childhood home. But they even want to buy me a car...I just feel so ashamed of myself when I see my friends struggling and Ive had such a cushy life. So is it irresponsible of me to take out extra loans so I can start living independently? They are not helping with medical school costs, thats all gonna be on me, for once, although my mother said shed be cover interest on my loans until I start getting paid... so theres that too.I have 30,000 saved up from banking everything I made at the job I held while taking my prerequisites for medical school. Should I take that out of the retirement? I figured I should just pretend that money doesnt exist anymore until decades from now but I dont know what to do.Im also going to medical school in Texas, which is in general some of the cheapest medical school educations in the country. Ive been asking around and I found someone whod let me stay with them for 500 a month, in a loft about 15 minutes walking distance from the school. I also found a place 750 a month thats a 3 minute walk from the school. I dont know if those are good deals or not because I have no concept of paying rent. Typing that out makes me feel sick. Im sorry.I recognize Im coming from a privileged position. So I dont buy luxuries, Ive never been materialistic. Im lucky. I know my family is relatively well off and its enabled me to get this far. I dont want to waste the opportunity theyve given me but I also just feel so bad being as old as I am, and functionally a high schooler in the way that theyve babied me my entire life. But thats another issue that probably belongs in a different subreddit.So anyway what should I do? I hope I dont anger anyone, and if I do, Im sorry. I already feel like a scumbag, so there you go.  <response>: So youre privileged; so what. Give back to the community when you can. In the mean time, if your parents are wealthy enough to be supporting you like this or are THEY the ones taking out massive loans? I see little reason to take debt or move out.Many med students do anything possible to rub two nickels together while in school. I doubt anyone will think twice about you living at home. Dedicate yourself to doing as well as possible in med school. Thats how you thank your parents.This is all based on my assumption that theyre not indebting themselves to do all of this for you. 