When I was a single mom going to college st OSU I lived on campus in married student housing and I can say I was the happiest and most stress free in my life. I had so much money left over from my grants and scholorships I didn't need any loans whatsover.
Of course prices have changed but I'll give examples of my costs, as best I remember them.
I paid $242 a month for a 2 bedroom apt.with all bills, cable, and phone included, paid. I didn't need a car because my child rode the bus to and from her school and if I needed to go get her for some reason or another I could walk just about 2 blocks from campus and be there. My classes were a few minutes walk or bike ride away, I could get groceries a few times per month and that was the only reason I ever used my car. I loved having the tile floors that were waxed to a shine and were always easy to sweep and damp mop. I did rent furniture when I furst moved in and that was pretty cheap too. The maintenance department was awesome, they never had me wait for days for any reapirs, it usually was a matterof minutes before they came to the door.
I was healthier and happier because I didn't have to worry about any monthly bills, everything came out of my financial aid package before I got a cent. I only had to buy groceries each month and car expenses such as insurance and gasoline. I had a Phillips 66 gas card and paid $400.00 at the beginning of each sememster to pre-pay it so I could go where ever I wanted and never be out of gas.
The only thing that happened where I made a mistake was my first year there, I expected financial aid to pay my housing over Summer. Well, the way I had my package set up it only paid for my classes, tuition, and fees, not housing. So I nearly lost my apt. due to my not understanding how it worked. They olet me carry the balance over until August when more financial aid came in
When I did live off campus I paid the elec. co and natural gas co. both several hundred dollars in advance in September and then again in January. I also paid the phone the same way. My landlord gave me a discount for paying in advance too, the more months I poaid the mor eth discount.
So, I really preferred living on campus. It was a very happy time for me and my grades showed that.