<prompt> Human: I want my own place, but I have about 11k in credit card debt. I make 33kyear. What should I do? I was paying 500month rent to my parents until they recently gave me the go ahead to live rent free for a while to move out.  <response>: Your parents have gifted you a wonderful chance to live cheaply - dont throw it away, pay that card off and then move out. Maybe someday youll be able to repay their kindness. 