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Do you pay room & board living off campus?

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I have never understood this... If I live off campus (after freshman year), does the total cost of a certain university lowers considerably? For example, University X costs: Tuition: 28,500$ Room and Board: 8,200$ Books and supplies: 1,100$ Personal expenses: 1,300$ Transportation: 1,500$ For a TOTAL of: 40,600$ I suppose I don't have to pay room and board IF live off campus, taking 8,200$ out of the total cost. That means that University X would cost 32,400$ living off campus right? Is this how it works with most universities? Or I still have to pay room & board living off campus? I don't really understand this because many college sites (such as COLLEGE BOARD) don't state a difference in $ between in-campus and off-campus Does the total cost lower (considerably) at all living off campus?

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