I (22F) feel like I’m dating a manchild(25M), how should I talk to him?

English is not my first language, sorry for the mistakes.

I (22F) started dating my boyfriend (25M) over three years ago. We were both on our first year of collage, although it was a second time he has gone to a collage (he already had one bachelor degree). He was living in a student dorm at a time and I was renting a room in an apartament do obviously we were spending most time at my place which I didn’t mind.

Right now we finished our collage, he decided to do masters (in a different field than any of his ba’s) and I started working. We’re renting an apartament in a city that he studies in, although I’m not always here as I work in my hometown and I can’t always do remote working. My salary is pretty good considering it’s my first real job, and my boyfriend still gets his money from his parents. It’s not like they have a lot of money, they are like lower-middle class. I’ve asked him million times to find a part-time job to at least have some working experience. It’s not like he’s studying a lot for his classes – when he gets home he usually plays videogames (which I don’t mind per se, I’m gamer myself), watches youtube videos or tries to find good selling offers for lego or some electronics to but them. He bought a tablet last week even though he already owns 2.

The worst thing for me happened yesterday when we were taking about our future. I’ve asked him where we gonna live after he finishes his university. He told me he’s gonna move in with his parents again till we won’t be able to go buy an apartament because he doesn’t want to pay a landlord. I’ve told him that even if we get a loan it will take years and years to be able to buy something as I just started working and he apparently isn’t willing to work before he gets his masters. He said that he’s gonna live with his parents then. When I asked how he thinks it’s gonna work with our relationship, he just told me we’re gonna visit each other until we’ll be able to buy something of our own. It’s unacceptable for me and when I tried to talk to him some more he told me he didn’t really think about it because it’s so much in the future and that we’ll figurę something out. I’m just afraid that I’ll be renting something for me, work and pay for myself, while he’ll be living rent-free with his parents as it’s more convinient. His mom will do everything for him (cleaning, laundry, cooking) so he will be able to just go to work and go back home to a warm meal, fresh laundry and clean apartament.

Honestly I love him so much and he’s there for me when I have mental problems (I’m under mental treatment). I just don’t want to be the only responsible one when it comes to real life stuff. Can you guys advise me what can I talk to him about? To change his perspective?

Tldr: my three years older boyfriend isn’t willing to go to work and it’s his 7th year of cosecutive going to university. I started working and I don’t feel good being the only responsible one in the relationship. I pay half of the rent of our apartament even tho I’m here maybe a week in a month. He isn’t willing to move in with me after his studies because he doesn’t want to rent and will wait until we earn enough money to buy our own apartament.