I can definitely give some advice on a personal level here. When I moved to TX in 2004, I had about $500 in my pocket. I managed to luck out finding a job within 2 days of moving down there, and I also managed to snag a car without a down payment and with my dad co-signing on it. I was fine for the first few months, but everything started to go downhill. I overspent and found myself struggling to pay my rent each month, until I finally decided moving back home was my best bet.
But your situation is a tad different. You wouldn't be moving thousands of miles away, and I'm 100% positive you're better with money than I was.
As for the loans, while paying more each month is nice, it really isn't necessary, you know? 10 years is not too bad to be paying off the loans, and it'll pass by before you know it. (: If, by sending the loans a minimum payment, you'd be able to get your apartment, I say go for it! If you really want to save for a house, then I say go for that too, but at your age, owning a home definitely isn't necessary. I hope I'm making sense.
I know whatever you decide to do will, in the end, make you happy, because that's all that matters. I definitely think it's time you moved on your own, though, because it sounds like you'd be much, much happier, and that's all that matters, as I've said in the beginning of this paragraph. I tend to get repetitive, I know. *blush*
*hugs* Best of luck to you, and just know I'm sending good vibes your way.
And sorry for the extremely lengthy comment, I tend to ramble sometimes. I just hope it's helped. (:
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Date: 2007-06-25 05:18 pm (UTC)But your situation is a tad different. You wouldn't be moving thousands of miles away, and I'm 100% positive you're better with money than I was.
As for the loans, while paying more each month is nice, it really isn't necessary, you know? 10 years is not too bad to be paying off the loans, and it'll pass by before you know it. (: If, by sending the loans a minimum payment, you'd be able to get your apartment, I say go for it! If you really want to save for a house, then I say go for that too, but at your age, owning a home definitely isn't necessary. I hope I'm making sense.
I know whatever you decide to do will, in the end, make you happy, because that's all that matters. I definitely think it's time you moved on your own, though, because it sounds like you'd be much, much happier, and that's all that matters, as I've said in the beginning of this paragraph. I tend to get repetitive, I know. *blush*
*hugs* Best of luck to you, and just know I'm sending good vibes your way.
And sorry for the extremely lengthy comment, I tend to ramble sometimes. I just hope it's helped. (: