Hey guys! So I'm going to be a freshman at UCR this fall and I was wondering between the two. As of now I was told by my financial aid advisor that if I switch to off campus and share a apt. I really won't have to take out any loans as long as I budget myself. Did anyone experience the same thing when they did do off campus? I really don't get all this financial stuff and Id really appreciate it if I could get some pointers from people who did off campus their first year at UCR. Thanks!