Should a 22-year-old have a curfew?

“I live at home with my parents and they insist on an 11pm curfew. That’s also the time when my friends are just starting to go out. I think they’re doing it to encourage me to move out, but between student loans and saving money, it’s hard to do that.
How can I persuade my parents into lifting my curfew? Is there a way around it?”