Commuting from home may be a poblem if you want to be in anybort of competitive major such as pre-med, due to review sessions, study groups, and other academics generally taking place in the evening (and more crucial for pre-meds than some other majors) plus all activities you’ll have to do on/off campus. It’s hard enough already without creating extra hurdles.
I’ll add, from a arent’s point of view, that driving at 11pm or midnight is not the best idea.
Is it because they can’t afford room and board? What if you earn a full tuition scholarship, would you be allowed to live on-campus with the 20k paying for r&b?