yojeum hakgyo geuncheo-eseo jachwihago isseoseo wolserang gwanribireul jikjeop nae.

요즘 means these days / lately / nowadays. It refers to a general current period, not just this exact moment.

• 요즘 = these days, recently
• 지금 = now, right now

So in this sentence, 요즘 suggests this is the speaker’s current living situation these days, not just something happening at this exact second.

For example:

• 요즘 학교 근처에서 자취해. = These days, I live alone near school.
• 지금 집에 있어. = I’m at home right now.

자취하다 means to live on your own, away from your family, usually taking care of your own meals and daily life. It often implies that a student or young adult lives independently in a rented room or apartment.

It is not just the general verb to live. For that, Korean often uses 살다.

Compare:

• 학교 근처에서 자취해. = I live on my own near school.
• 서울에 살아. = I live in Seoul.

So 자취하다 carries the idea of independent living, often as a student.

This is a very common question. In Korean:

• 에 is often used for existence or destination
• 에서 is used for actions or activities happening in a place

Because 자취하다 is treated more like an activity/lifestyle action than simple existence, 학교 근처에서 자취하다 is natural.

So:

• 학교 근처에서 자취하고 있어 = I’m living on my own near school

If you were just saying someone exists or is located somewhere, 에 would be more likely:

• 학교 근처에 집이 있어. = There is a house near the school.

A good practical rule is:

• with doing something in a place → often 에서
• with being/existing/going to a place → often 에

-고 있다 shows an ongoing state or action, and -아서/어서 gives a reason or cause.

So:

• 자취하다 = to live independently
• 자취하고 있다 = to be living independently
• 자취하고 있어서 = because I’m living independently / since I live independently

Using 자취해서 would sound less natural here because 자취하다 describes an ongoing situation, and -고 있어서 highlights that current continuing state as the reason for the next part.

So the sentence means something like:

• Because I’m living on my own near school these days, I pay the rent and maintenance fee myself.

In this sentence, yes, it gives a reason: because / since.

But -고 있다 and -아서/어서 are really two separate parts:

• -고 있다 = progressive or ongoing state
• -아서/어서 = because, so, and then

Here they combine into -고 있어서, which means because one is in that ongoing state.

So:

• 자취하고 있어서 = because I am living on my own

It would not usually mean just simple sequence here. The context clearly makes it causal.

월세 means monthly rent.

Breakdown:

• 월 = month
• 세 = rent

In Korean housing vocabulary:

• 월세 = monthly rent
• 전세 = a large deposit-based lease system common in Korea
• 집세 = rent in a more general sense

So 월세랑 관리비 means the monthly rent and the maintenance fee.

관리비 means maintenance fee or building fee. It is money paid for things related to managing the building or property.

Depending on the building, it can include things like:

• cleaning
• hallway electricity
• security
• elevator costs
• water or other shared services

So 월세랑 관리비를 직접 내 means the speaker personally pays both the rent and the maintenance/building fee.

랑 means and in casual speech when joining nouns.

So:

• 월세랑 관리비 = rent and maintenance fee

Other ways to say and with nouns are:

• 과/와 = formal/written
• 하고 = casual
• (이)랑 = casual

Examples:

• 월세와 관리비 = more formal
• 월세하고 관리비 = casual
• 월세랑 관리비 = casual

The 를 marks the whole phrase as the object of 내다.

So:

• 월세랑 관리비를 내다 = to pay rent and maintenance fee

Because the two nouns are joined into one object phrase:

• 월세랑 관리비 = rent and maintenance fee

Then the object marker comes after the whole phrase:

• 월세랑 관리비를

This is very normal in Korean. You do not need to mark each noun separately.

Compare:

• 빵이랑 우유를 샀어. = I bought bread and milk.
• 책하고 공책을 가져왔어. = I brought a book and a notebook.

직접 means directly / in person / myself.

Here it emphasizes that the speaker pays those bills personally, rather than:

• a parent paying
• a roommate paying
• the money being handled by someone else

So 직접 내 is like:

• I pay them myself
• I personally pay them

It adds emphasis to personal responsibility.

내다 is the dictionary form. 내 is the present casual/plain speech form used in conversation.

Conjugation:

• 내다 → dictionary form
• 내요 → polite speech
• 내 → casual/plain speech

So the sentence is in a casual style.

Compare:

• 월세를 직접 내. = I pay the rent myself.
• 월세를 직접 내요. = I pay the rent myself. (polite)

Yes, 내다 has several meanings depending on context. One very common meaning is to pay when talking about money, fees, bills, rent, and so on.

Examples:

• 돈을 내다 = to pay money
• 세금을 내다 = to pay taxes
• 월세를 내다 = to pay rent

So in this sentence, 내 clearly means pay.

This is a good example of how Korean verbs can have multiple related meanings depending on the object.

The subject is omitted because it is understood from context. Korean often leaves out subjects when they are obvious.

So the full idea would be something like:

• 나는 요즘 학교 근처에서 자취하고 있어서 월세랑 관리비를 직접 내.

But 나는 is not necessary unless the speaker wants to add emphasis or contrast.

This omission is extremely common in natural Korean.

It is casual.

Clues:

• 랑 is casual
• the final verb 내 is casual/plain, not polite
• there is no -요 ending

A more polite version would be:

• 요즘 학교 근처에서 자취하고 있어서 월세랑 관리비를 직접 내요.

A more formal/written version could be:

• 요즘 학교 근처에서 자취하고 있어서 월세와 관리비를 직접 냅니다.

Not exactly. The Korean sentence literally says I pay them myself, not I have to pay them.

It describes a fact or situation:

• because I live on my own near school these days, I personally pay rent and maintenance fees

If Korean wanted to clearly express have to, it would use something like:

• 내야 해
• 내야 돼

For example:

• 월세랑 관리비를 직접 내야 해. = I have to pay the rent and maintenance fee myself.

So the original sentence is more neutral and factual.

Yes. In English, this kind of Korean -아서/어서 reason clause can often be translated as:

• because
• since
• as

So 자취하고 있어서 can feel like:

• because I’m living on my own
• since I live on my own
• as I’m currently living on my own

All of these are reasonable depending on the tone of the translation.