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You're lucky that your parents live where you want to live! So take advantage of that. Move home. I wish I could, just to save the rent, but my folks are too far away to be considered an option (especially now that I've got a good job). You're fortunate that you can do that.
Furthermore, some student loan outfits will let you restructure your loan. Do it if means saving more money in the short term--by the time the bigger payments come around, hopefully you'll be further along in your career and making more money. This is what I'm doing, and it's a huge relief--the big payments won't start until the SO is done with school. It gives me a little more wiggle room on a monthly basis, and allows me to save more for other things.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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