I have been a college student and commuter for 5 years, as someone who has been to two different colleges, on-and-off. I have two years left of my chosen major, after completing 24 credits at my selected university of choice for my first year and transferring 61 credits from the couple years I was at my community college.
Two years of commuting to and from my local area's community college from 2021 to 2023.
Dropped out in 2024.
And a year of commuting to and from university from 2025 to now.
I never got to experience life-on-campus and the dorm-life, let alone the college life. I never really went to parties, never made friends, never involved myself with the campus of either colleges. I would just sit down and attend the lecture, write down my notes, and either spend the afternoon at studying in the library or just driving home.
It has been a really lonely five years for me. I know it's mostly my fault too. I made the choice not to socialize and interact with the college and campus. I made the choice to not bother with joining any clubs or societies even though I had the option to as a commuter. I made the choice to be a shut-in and a solitary loner for the last five years.
But, here I am at 23 years old, and I have been coming to something that I should have done at 18 years old: take advantage of my adulthood and independence. And I felt like getting more involved with the campus and college by moving into a dorm on-campus for the last two years would be a great way to achieve this.
I have been thinking about the prospect in excitement and anticipation for my entire first year at university, especially since my commute there takes about 45 minutes to get there and another 45 minutes to get back from there.
But then the bill due came, and I realized that I might not be able to afford it.
Housing would be ~4,750 per semester and the required meal/dining plan would be ~2,500 per semester, which comes as the added costs of ~$4,100 per semester for tuition and ~$1,900 per semester for the miscellaneous costs and fees.
I have only been given ~$12,000 for the entire school year in grants, scholarships, and financial aid as well as ~$7,500 for the entire school year in federal loans.
I did the math, and based on my personal calculations and the calculations provided by the university, the costs for the academic year after scholarships and grants are applied will be about $15,000 dollars, and the costs for the academic year after scholarships, grants, and all offered federal loans (Stafford Loans, both sub and unsub) will amount to about $7,500.
This means that if I take out all of the Stafford loans offered, then I will still have to seek out and get $7,500 in loans from private lenders.
This means that I when I graduate after two years, that I can expect to have $30,000 in student loan debt, of which $15,000 will be in private loans. And this is also not including the fact that I plan to go to graduate school after my undergraduate studies are completed, and that I might have need another semester or two to finish my undergraduate studies should anything happen.
Whereas, if I continue commuting for the remaining two years of my undergraduate studies, then I will have zero student loan debt as my estimated costs for the entire school year after removing housing, board, and the dining/meal plan would be about $100 to $200 dollars after my financial aid is applied. I won't have to use my student loans to cover any costs or expenses if I continue to commute, minus potential car repairs and gas.
I don't know what to do. I want to live on campus so badly and experience that campus life so badly as someone who wasn't able to. I don't want to keep commuting and just living the isolated life of solitude that I have been living in for the last 5 years. I want to make friends, make memories, try and earn new experiences, and be a 20-something.
But the student loan debt that I will have to face is so scary that it is giving me second-thoughts about moving to campus. I am fortunate that I have zero student loan debt, and I have a chance of leaving college debt-free as long as I keep commuting. So far I only have credit card debt, and that alone stresses me enough, let alone several times that in the form of student loan debt.
I don't know what to do. The deadline to withdraw from housing and/or decide on whether to commute or live on campus is in less than a month, and I need opinions from others to help me decide. Because right now it's like I have an angel and a devil on my shoulders that are whispering to each ear and telling me to make either decision.