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The other thing is pride. Yes, great that you wanna do things on your own, but if you have interest building debt when your parents are offering to help, take it. Again, if they aren't in desperate needs themselves, the money isn't going with them when they die. If parents are an option, leverage that. Now is better than later when debt can balloon from compounding. It's like, if you have an illness take care of it ASAP, before it grows out of control. Same issues as here. $16k in savings when you have a debt growing with interest would be time to use that emergency fund. If she's simply saving, and not using that money for any appreciable investment gain, it's dead money, eroded by inflation. Again, $1400 on a single salary of $50k is not a smart move financially. It's actually outrageous since she's especially when she's paying the mortgage payments for someone else.
It's about as bad as it gets when half of your earnings are already eaten away by cost of housing.
Get a roommate ASAP. That rent has to come down, srs.
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