I'm at a standstill whether to move within biking distance to work or put that money towards my $17k, 3.4-3.8% student loan. Luckily, I don't have to make min payments until 2021 (paid off my > 4% interest student loans). I'm also maxing out my 401k, HSA and Roth IRA.
My commute is 1.5 hrs, 40 mi roundtrip and it's not that bad especially since I own a Prius now. I could listen to podcasts and audiobooks to make the time more productive. Although, it'd be nice to have those hours back.
I found a relatively cheap 1 bedroom apt and it is very tempting. I've always wanted to have my own place as I've had roommates for the past 6 years. I just feel guilty throwing money out the window to live more luxuriously, whereas I could get myself sooner out of debt. And I'm not sure if I'm chasing this false sense of happiness of having my own place.