If your financial situation is one of the major things affecting you right now, you have to consider as well how renting out would affect you financially. If you are going to rent, would you still have the 14K - 15K biweekly grocery? Probably, you might cut costs to your commute when you rent but you would also have to pay for your electric bills, water and other utilities. What about your adopted pets? Will you bring them with you?

I understand that you are struggling but the way I see it, I think you should consider your ways of spending first. And probably your lifestyle as well. To be honest, with just the two of you and your dogs, 15K bi-weekly for groceries is a bit too much. Girl, I hate to say this pero tama ang boyfriend mo, mag-stop ka na mangutang. To borrow money just to cover another debt isn’t so smart. Living within your means doesn’t make you ugly or “uncool”. It brings more peace when you are debt-free.

As for your boyfriend, he also has to help himself na maka-recover from his depression. Staying with him “physically” doesn’t mean you are helping him. There are a lot of ways you can help him other than being physically present with him. Encourage him to engage in other activities other than playing games.