Should I go to a low-ranked school where I can shine, or an elite school?

So about 25% of Riverside freshman live at home, probably with parents, but this OP is not a freshman. he will be a junior, I think most upperclass students do not live on campus, there is very little housing on the Riverside campus. To be clear 75% of freshman now live on campus in dorms in Riverside. Its not particularly a residential campus though. Its more of a commuter campus overall.