<human>: I moved in with a friend to help out with bills. She was originally living on her own. But, I am starting to dislike the apartment and want to move

Reason 1: The apartment itself. Neighbors are loud as hell. The music is so loud I can't think sometimes. I won't be able to study once school starts. I also feel isolated here.

Reason 2: My roommate. She owes me money for a bill in my name (two payments now). Instead of paying me she said she is broke because she bought her BF an expensive gift. Smh. She's also gotten our water shut off by being late on a payment. I no longer trust her ability to pay bills.

Reason 3: I found a better option. It's similar to the dorms in that they have study rooms and I won't have to pay money/get money from a roommate.

The only thing is I have no idea how to bring this up. I don't want to fight about it. I will absolutely help her pay for part of the next month's rent (if I can).

However, I want to say something soon before she gets paid again and before our school refunds come so she won't be blindsided. I'm not on the lease.

How should I go about this without killing our relationship?

Can you condense the text into a few key points?
<bot>: I want out. Neighbors are loud, roommate is irresponsible with bills, and I found a place I like better. What should I say to salvage our friendship?