I am of a similar age and situation - I'm 20 and have two dogs who are 'mine', one of whom is extremely fear aggressive, worse than what you have described. We have to be careful when anybody comes to visit our house, and it takes 10-15 visits before Carl will allow someone in the house without growling at them. Even then he is still very wary.
I've had the opportunity to move out several times. Money was never an issue but I've paid rent to my parents before, and just the rent itself was expensive. Not to mention food/dog things/money put aside for vet emergencies/bills/entertainment etc. In the end, it's just easier to live with them, especially when I have a dog who could no way live in a sharehouse or an apartment with a roommate. The only person he would tolerate being in close quarters with is my ex-boyfriend, which is not an option unfortunately for him! :P
Wait for a few years, maybe? I wouldn't be tolerating my friend's father telling me the dogs weren't allowed in at all! :|