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If you are on scholarship, you can live off campus without losing aid starting junior year. It is extremely difficult to live off campus freshman/sophmore year unless you are commuting or living with a parent. I believe there is a required distance in order to be considered a commuter. It is a lot cheaper to live off campus, you save a ton on food and the housing conditions are nicer.
It has to be a relative. There are exceptions, but talk to someone in the housing department. If you have grant money, it is taken away if you live off campus.
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