<prompt> Human: Short Story:Throwaway account. I am 33 years old and I live with my parents in the suburbs of NYC. Never married but dating. I currently work in Manhattan on 60,000 yr salary before bonuses and I want to move out. I had 65,000 student loan debt down to 29,500 with no other debts. I also have absolutely no savings. 90 of what I make is dumped into the loans. I have 2 loans: 13,500 3.87 and 16,000 4.5. Question is, can I move out?Long Story:I graduated high school in Spring of 2001 and decided to stay home to work in construction. Four years later, at the age of 22, I finally decided to enroll at a University to study Civil Engineering CE. It took me 8 years to complete both my undergraduate and graduate degrees in CE. At this point, its Sept of 2013, Im 30 years old with absolutely no professional experience, 65,000 in student loan debt, no savings and living back at home. Depressing right? I was finally hired in June of 2015 with an entry level job at a good real estate firm. Since then, I have made some good progress with my loans, decreasing the amount from 65,000 to 29,500 in about 15 months. I basically throw 90 of what I make into a Capital One 360 checking account to crush my loans and fixed expenses. The rest goes into a Wells Fargo checking where I keep 500 - 750 per month for eating and what not. I, now, still live at home, and I so desperately want to move out. The issues are, I have no savings and NYC apartment rents are astronomical. Thats right, I have no savings! No 401k, No IRA, NOTHING, not even an emergency fund. But, I just cant stand living at home anymore.So, do I move out and be independent or stay at home paying off the loans? If I do stay at home, I can pay off my loans by May of 2017. But, if I move out, I can payoff my loans by the fallwinter of 2017 with extreme budgeting. Thanks for your advice.  <response>: Live at home till everything is paid off. better to enter a new portion of your life debt free with nothing that could fuck you up if something goes wrong. 