<prompt> Human: Single 24 yo male here, still living with parents. I saved up about 41,000 since I started working full-time. I have a 56k salary, paychecks are 15002 weeks. Ive got 36k in debt: 21k at 0.9apr for a car; and student loan debt of about 7,300 in Sallie Mae and 7,500 in Direct Loans ranging from 5.8 to 6.8 interest rate. My parents are great, living with them has saved me a lot of money. However, my grandmother has dementia and psychosis and has been living with us for a year and a half. Her condition is getting worse all the time, shell be ranting and shouting about the most insane things and often wakes us up in the middle of the night. Id like to move out, most preferably on my own, but I dont want to live a life crippled by debt. Should I pay off a hefty portion of it now? All in one fell swoop, or just the student loans? Or should I bide my time for a few more months?  <response>: Consider living with roommates especially if cost of living by yourself is too high. 