Life is all about balance. My advice would be to evaluate your goals, your wants and your needs. I always tell my students to shoot for the stars, in regards to applying to at least 4 colleges. Once accepted, review your financial aid package (apply for FAFSA!) and then decide what is best for you. There are work-study programs while living on campus. You can take-on a part-time job to help offset the cost of college. If living at home or with friends (off-campus) makes for a better financial situation, you can commute to campus. Hope this was helpful!