<human>: Hey /r/personalfinance, I'm a student finishing up his last year of architecture school. I have about 50,000 in subsidized and un-subsidized student loans. I currently intern at an architecture firm, making $14/hr. I only work 24 hours a week. 

For the past two years, I've lived with 2 other guys, making rent for me affordable at around $450.00. However, recently one of my roommates just moved out and the person who was going to replace him backed out on me. I have an option of moving back into my parents and commuting 45 minutes each way for both work and school everyday, or stay where I am.  Where I am at currently, I can walk to work and I have the option of driving or biking to school. 

If it is just me and my other roommate in the house, rent would be around $780.00/person. Should I take up a loan for around $3000 or $3500 to continue living where I am? I would continue paying rent with $450.00 and then fill the rest with loans for 9 months. After that, I can set up an avalanche or snowball method to pay off the loans. 

Also, we are on a month to month.

Condense the text into a few key points
<bot>: Roommate moved out. Can't find new roommate. Take out loan to continue living where I am or move back with parents and commute 90 minutes/day.