horriblyefficient

horriblyefficient t1_j1yfoks wrote

is your relationship with your parents very good/stable? I would take the upfront option (paid rent) over the three years later option (car) even if the car is worth more, because I'd be concerned the car offer might disappear by the time I got to that point, if your relationship with your parents breaks down or they get into financial trouble.

the other thing to consider is what quality of life impact living in the apartment would have - are you and your friends party people? are the dorms particularly shit? basically, what is living in the apartment worth. also, how does it impact your food and transport costs?

are you working at all? how long would it take you to save up $25k and if you did, would you spend it all on a car?

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horriblyefficient t1_iu3nvhh wrote

are you going to classes on campus at least? is there a student services office? there might be resources from the college to help students at risk of homelessness, which you almost sound like you are.

you say you don't enjoy computer science, but you still want to work in IT. are you sure you still want to go down that path? if you are, you might actually be better off talking to the university about emergency housing on campus and financial support or loans for students who are disconnected from their parents.

as for the money, get a bank account at a bank your parents don't use. if your $13k is in an account your parents know about, keep an eye on it but don't move it until you leave, so you don't tip them off that you're leaving. it doesn't sound like they would take it well.

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