Townies – Should You Live at Home During College?

24 Jul

Raysha Duncan, Financial Aid Administrator & Purdue Alumna
www.purdue.edu/mymoney

2 cats on a staircase

Pressure from childhood pets. Photo by: Madison Duncan

 

Many townies may feel the pressure to both live at home and live on campus at the same time. Deciding which is more beneficial can be a difficult choice. On one hand, it’s nice to be on campus all the time and having the ability to walk back to your dorm or apartment. But, expenses are high when you’re not living at home, especially if you do not want to work 20+ hours a week and opt to take out student loans. As townies, we have the advantage of making a choice of which we would like to do; unlike a majority of students. By choosing to stay at home with mom and dad, we are given the option of living a (most commonly) rent-free four years of college.

family sitting on a couch

Photo by: Raysha Duncan

Personally, I chose to live at home with my family for the first two years of college. During my experience, I felt like I was missing out on something that everyone was talking about. Plus, it felt a little awkward being a college student when my baby sister was still in elementary school. I decided to move out, without much planning to be honest, my junior year. Because of this decision, I had to take out a student loan that I would not have had to take out otherwise. I won’t be graduating with a lot of debt, but it’s still debt I could have avoided. That’s not to say I didn’t benefit from of moving out. I learned a lot about how to live on my own and maintain balance that was otherwise hard to figure out while living at home with my family. There are definitely pros and cons on both sides of this argument, the largest con on moving out are costs. For me personally, I found the cost to be too much, and I’m actually moving back home with my family for my senior year to save up money for after graduation.

If you really want to save money or not work as many hours or not take out as many loans, then living at home is something you should seriously consider. There is no easier way to save on your college expenses than to stay at home with mom and dad and put off paying rent for 4 years. If that’s not something you’re worried about and you really want to live on campus for the experience, then that’s good too! You will grow a lot from moving out and having roommates. For those of you who are worried about not gaining this experience, you still have the rest of your life after college to not live with your parents.

 

lasagna sitting on stovetop

Photo by: Raysha Duncan

The debate between staying at home and moving to campus isn’t just limited to Purdue; all students who grow up in a college town have this debate with themselves and/or their parents. And a few general rules apply to all students in this situation.Living at home comes with the benefits of home-cooked meals and endless family time. But, if you have younger siblings like I do, there’s also a lot of coordinating of schedules and early bedtimes. This may not be the same experience you would have with roommates. The biggest difference is that your roommates don’t love you unconditionally and they can hold grudges longer than a loving little brother. However, you do learn how to communicate with people outside of your family and you get to learn what happens when you argue with someone you live with that is not a family member. I know I’ve experienced a lot of growth with this in my year out of my parent’s house. But, I am moving back in with my parents because I would rather be financially comfortable for my final year of college. It’s a tough choice, but it is your choice, and it really is about what makes you most comfortable.

1. Keep in mind what your schedule will be like: if you move on campus, how often will you be home? More often than justifies living on campus?

2. Is moving on campus financially feasible?

3. What are the pros and cons for each situation? Does one situation outweigh the other? Why is that?

These are just a few very general questions to keep in mind when making your choice of whether or not to stay at home during college.

Have you had to debate living at home versus living on campus? Which did you choose?  What made you come to that decision?

Okay, so you have made the decision to move out on your own but are still contemplating between, dorm life, renting an apartment, or renting a house check out Where should I Live?

 

***This was originally posted in June 2013 and the author was interviewed by Reuters. Check out their article on choosing to live at home here.

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