<p>Hello!</p>
<p>I am a frequent lurker, but lately something has been bothering me and I wanted to get some input onto my dilemma.</p>
<p>I currently attend the University of Washington in Seattle, and had dormed on campus as I had completed my first year as a college student. I live about in a suburban town called Maple Valley, approximately an ~1 1/2 hour bus ride, or ~1 hour drive (with traffic, possibly even more) from the university. Anyways, I have always been a "mama's boy" and thus the decision for me to dorm was quite hard to digest. After a full year, I honestly admit, I had spent a lot of my weekends going back home (staying on campus during weekdays).</p>
<p>This upcoming year, I have signed up to dorm, but do have the option to opt out within the next week or so. This morning, my parents were talking about my upcoming year, and my plans on when to start looking into dorm shopping. For some odd reason, I kind of teared when talking with them, as I guess something struck me in my mind. At the moment, I am currently signed up to dorm on campus. Though the past few hours, I am now wondering, does dorming really make sense for me? I could always commute to the UW (University of Washington), or even possibly drive.</p>
<p>Though, the biggest thing making me reconsider is the financial obligations. This past year, I had spent a total of $7,834 in loans (I am owning up to the fact that I am responsible for these loans, and no one else [furthermore, I never told my parents, and have no desire in telling them so.]). That being said, I am totally covered tuition wise, as I was able to basically get a full-ride from the University (to cover anything but dorming on campus). I was doing the math for this upcoming year, and this is what I was able to conclude at: After all my scholarships are applied for the three quarters of attendance, I would be leftover with $1450 per quarter which would be used for anything else (books, dorming, etc). If I were to dorm on campus, I would have to pay $2699 per quarter (including dorming and the meal plan), leaving me with a total of $1249, in which my only method of paying off would be by taking out a loan.</p>
<p>That being said, if I were to commute, I would live with my parents, thus not having to pay a dime (and instead chip in and pay off few bills at home). Obviously, with dorming, I would have the luxury to be on campus for pretty much anything, but I guess the reality that I have my own bedroom to myself, versus sharing a room kind of makes me want to reconsider as well. What really scares me about commuting though, is that ultimately, I want to meet and network as many people as possible, and not be a "loaner" and totally miss out on things that would be going on, furthermore miss out on the "college experience". I was active in multiple clubs on campus, and am hearing about more activities going on, but I guess that feeling that if I were to commute, and having a schedule that revolves around the bus timetable kind of irks me.</p>
<p>Personally, as a 19 year old male, I had never really dated anyone in life, and I really want to experience that and grow something off that. I guess what I am trying to conclude to is, I don't want to miss any "opportunities" on campus (as said again). I never partied in my life, I never drank alcohol/smoke and am vegetarian. I think judging from my first year, dorming was pretty cool, having that "Freedom" to do whatever I want was pretty cool. Even going back home, it made me realize how more responsible I am for certain things and what not.</p>
<p>Sorry for such a long story... my mind is a mess and I want to collect myself and sort things out. Obviously, my biggest goals of attending a University is to get a degree, and excel with high credentials. As a pre-engineering major, I want to my parents proud... as I am the first person in my family to even get past middle school, I really want to excel and have no obstacles in my way.</p>
<p>What do you guys recommend? Should I dorm on campus, and take out those loans? Or should I just commute, and live with my parents? Any tips/advice? the amount of loans I would take out this year would be significantly smaller, but in reality, would it still be smarter, as the amount of loans I owe back would be increasing. Or should I use the extra leftover money per quarter, and gradually start paying off those loans?</p>
<p>Thanks!</p>