I don’t think living off campus would be much better. Philly’s prices are high in the good parts and the worst/cheap parts(around Temple) are shoddy, high crime rate, and have lots of boarded up houses. Camden is just plain terrible so that’s out too.
I’d recommend you dorm if you go to Temple. Better areas if you were to commute would be Glassboro, Cherry Hill, Burlington, and Willingboro NJ.