I'm 20 and this is my first semester of college living on my own. Mainly because the past two years I went to college out of state, and therefore it was much easier to just live in a dorm. Living on my own, now, is a pain. Having to pay my own rent, utilities, food, all that, and only able to work 24 hours a week is really hard to make ends meet sometimes.
But that being said, while my parents probably wouldn't care if I moved back in with them, I don't want to. Because my dad constantly held the grudge, before, of, "I was completely self sufficient from my parents at 18! Why can't you do it at 20?!" I can't deal with that sort of thing. -.-
So... I'm living on my own because I need my independence, and because I'm stubborn as hell.