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Another option: You could sell your car, get a much cheaper one, and start giving your dad $100-$200/month to help with the household expenses.
Also if you get an apartment have you thought about the initial setup costs? Have you set aside some money for stuff like pots & pans, dishes, towels, furniture, etc? Also do you have the money for the deposit? Do you have money in a savings account for emergencies?
When I was planning on moving out of my mom's house as a young adult, I started buying household items like dishes, a trash can, a comforter set, etc and sticking them in my closet. I did this for several months. By the time I did move out on my own, all I had to buy was the furniture (which I got used at consignment shops & goodwill & salvation army).
Take this as an (expensive) lesson. Do not buy a new car and get liability only when you are young.
Over the past 7 years of owning two European cars my average cost per car (Volvo and VW), per year, maintenance and insurance included, is less than you pay per month. I'm 28 now.
It's a 2006 car, and if you bought it new, you already took the depreciation hit.
It would be a loss if you get rid of it now.
If you keep it a while longer, assuming you've been paying for it for at least 4 years, you're done paying for it. Which opens the current payment towards a lesser costly maintenances in a year or so?
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