Is it better to go to college cheap and miserable, or expensive and in debt?

@Empireapple whereas that’s true, there are certain obstacles built in to some situations, that don’t exist in other situations.

Please don’t blame the OP. I suggest that you look inside of yourself to see why you feel the need to blame the OP rather than empathizing and helping to solve the problem.

In this case, the OP is at a commuter campus, and that does make things more difficult. One issue, as the OP has alluded to already, is that people come to those schools with their original lives in tact. They don’t need to seek out friends on campus, because their friend networks are still going at home. This is typical for a commuter campus. That plus students don’t tend to hang out on campus, as they do at residential schools or in jobs. In jobs, people are there for 8 hours, on average. In commuter college, Student A has one class at 8 am, then goes home or to a job, then comes back for 4 PM class, then has to go pick up kid sister from daycare for the mom, or help family get the car fixed. They don’t hang out and play Frisbee between classes, as in a residential school.