Staying at home and commuting to college is not always a sign of immaturity. There are many reasons students choose to live at home during college. My boss lived at home during college, and she pretty much paid for everything herself…
Many commuter students work while in college too.
Also, going away for college doesn’t make someone more mature. Many kids who go away to college are being supported financially by their parents…nothing wrong with that, just pointing it out.
There is not right or wrong way. It depends on the kid, the family, and finances.