<human>: Can you summarize the given text in a few sentences?

So the cost of living on campus is on me, and my parents won't help me out since my mom think it's a waste and my dad has a family of his own and can't pay the $10,000 for a year of living on campus. I could either take out some student loans, be in debt, live on campus and possibly make friends and have interesting opportunities in the city, or stay at home, almost an hour away from campus (with traffic) and commute, and balance work at home and school in the city. I'm currently a commuter at a different school and commuting is such a hassle, but is the $10,000 worth a year of living on campus? (the $10,000 includes a meal plan for every day of the week). Have you lived/are living on campus? Was it worth the extra money?
<bot>: Should I spend $10,000 for a year of living on campus in a major city, or stay at home and save my money and commute into the city?