just because you live with your parents doesn't make you a loser. i could think of other reasons, but that's not one of them.
if i got along with them remotely well i would have gone back to them and tried to work something out. as it is, i'm dirt poor... but independent.
IMO 21-26 is the "get the hell out of the house" timeframe... i would think your mid 20's and being with your parents is kinda pathetic, unless the situation entails it. everyone's is different!
try websites for your area... i found places to live for free and very fast jsut through websites.