We don't know all your details. You know your life better than we do. Is she willing to find employment and pay some of the bills if she lives with you? How fa

We don't know all your details. You know your life better than we do. Is she willing to find employment and pay some of the bills if she lives with you? How fast do you have to pay off your loans? Have you looked to see how good a living situation SF affords you? It's an expensive place. I agree with menloparkbum: Apply either way. If you're accepted, then decide further.