<human>: My parents and I have always been very close.  Other than my fiance, they're easily my best friends.  When I was applying to graduate programs during my last year of undergrad, my number 1 program happened to be relatively close to my parent's home.  By some miracle I got into that program and accepted in a heartbeat.  My parents said I was free to live with them throughout grad school.

There are a few downsides of living with them.  I have a 1.5 hour commute, one way (I take a train for an hour, then walk for a half hour).  I ride the train with my mom, who also works downtown, and she drives us to the train station (I don't really drive).  By the time I get home, I'm worn out, and then I have studying to do.  Additionally, I don't really have a social life.  My classmates all live in the city, and while I can see them during the day, I do have a curfew.

My fiance moved to this city to be close to me, and he lives in a studio downtown (much closer to my grad school).  For the last year (we've been together about 4.5 years) we've been essentially in a long distance relationship.  I see him once a week at most when things aren't busy, more often twice a month.  I'm not permitted to sleep at his apartment.  We haven't really had much of a sex life as a result.

These things are a drag, but I can't deny that I'm saving a huge amount of money living at home.  Grad school is crazy expensive, and I don't have to pay for rent, food, laundry, or anything else since I live at home.  The most I pay for is my train ticket.  I have student loans looming and I don't know if it would be wise to spend the next year living on my own or with my fiance, if it means spending money that could be going towards the loans.

What should I do?  Any advice?

Could you distill the essence of the text into 1-3 sentences?
<bot>: I live with my parents while in grad school.  Minor inconveniences about social life/romantic life worth moving out?