I was in the same position you are right now, and moving out was the best thing I could have done. While I didn't live with my parents (I had my own apartment above them in the duplex), I still felt like a kid. While my social life hasn't improved much, I'm feeling more self-sufficient (and I also took the whole 10 years -- well, 9.5 years -- to pay off my loans). One tip on the loans - send half the payment in the middle of the month, and the other half near the due date -- will pay less interest and more of the principal. :)