well you could always set yourself a deadline. Say, save for 18 months and pay down as much debt as possible then move. Of course if that's really the only bill you have, you're probably in good shape credit-wise and maybe you could leave say within 8 to 12 months. Having a goal to save and pay down debt may help you focus your energies. If you do have credit card debt, pay that down asap and then with only student loans and rent/utilities things would be a lot easier.