DD finished uni being in her student overdraft. I couldn't really help during uni due to low income but she got full student loan. She is done with uni now and has got a job in the town she grew up (where we live) which she has been in around 7 months. It's a job relating to her degree and is a good stepping stone for something probably better paying and it's a competitive industry so I am pleased for her but her salary is literally around 18.5k a year. We offered to have her back home while she started the job to find her feet with her money, pay off the overdraft, start saving but she said she couldn't do it after being on her own for 3 years with student accommodation and wouldn't want to be back under our roof and feeling like she has somewhat lost that independence, we explained that things would most likely feel different than when she lived there at 18 and was still in college and she could treat it more like she was just renting a room from a house (but being free). She said she didn't want to and started renting her own studio flat. I'm proud of how independent she is but she is definitely struggling with money. She loves pay check to pay check and is paying about £50 a month back to the overdraft, so yes it's decreasing but it's still there! And she isn't saving anything else.
I feel really sad for her as she would only have to be here for a year or so! And she would build up at least a nice bit of savings to fall on if needed. I feel terrible that that option is so obviously more helpful for her and she still feels like it would be such an awful thing to move back in with us
obviously she has never said it like that but it's clearly bad enough she would rather live pay check to pay check