At what point does amount of debt overweigh benefits?

<p>I can vouch for that. There is a student “ghetto” where you can live very cheaply around UB and that seems to be what a lot of the kids want to do, so it’s not like it’s the poor kid’s thing to do. My son gave up a beautiful lake side campus apartment to have turf wars with his local crack den. I would have much preferred he stayed on campus and gladly paid the differential, but he was hot to get into a house with all of his friends. A lot of the kids do this. The room and board costs are very high for east coast schools when left up to the college and at Buffalo, those costs can be slashed by going off campus.</p>