This phenomena is called the boomerang generation. When many of us left home, we were out for good. Why, it never occurred to us to seek help from the parents when hard times struck. We had made our own beds, as the expression began. However, the mother hen in us wants to fix things up, and opening our doors to the boomerang is just one of the things we can do to help. I too would say that things have changed around here since you left. We'll have to make to with the changes. If you come home, you'll need to work on making a comfortable pad in the attic. My own attic is necked rafters, and floor joists, storage boxes and tons of (no other way to say it) junk. I'd hit the hardware store for some strong plywood flooring, that inexpensive blue insulation sheeting and tack to the rafters and make some make-shift walls, and contact my local freecycle for cots and shelving. Decorate with hanging quilts, and furnish with essentials. Then, talk with a financial counselor to make a plan.