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Have you considered living in the dorms the first year instead of off campus? Not sure what the costs are today but when I lived on campus it was quite reasonable and it included all utilities, food, tv/cable and I didn't need a car.
Living in the dorms was probably some of the best times for me as I met a ton of great people and I still am friends with many of them today. Your going to be more isolated residing away from school and find it more difficult to network and meet new people the first year.
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