At 23 years, Miguel has substantial student loan debt. He has found a job in his field and has begun to make payments on this debt. He would like to pay this off as soon as possible, so he has decided to move back in with his parents until the debt is paid off. Miguel is an example of a ______?
1) Responsible individual
2) Financially independent person
3) Debt-free individual
4) Person making sacrifices to pay off debt