Should You Let Your College Student Live at Home?
Psychology Today
by Max Alberhasky Ph.D.February 22, 2026
AI-Generated Deep Dive Summary
Should your college student live at home or on campus? This question weighs heavily on many families, balancing the cost of living against the unique opportunities offered by campus life. While living on campus can foster independence, academic engagement, and lasting relationships, it often comes with a steep price tag—now averaging over $10,000 annually for housing and amenities like pools and movie theaters. This financial burden, combined with rising tuition fees and student debt, makes the "college experience" increasingly hard to justify.
On one hand, living on campus provides young adults with the chance to develop crucial life skills, such as time management and conflict resolution, while still having support systems in place. Studies show that students who live on campus tend to have higher GPAs and graduation rates due to easier access to classes and a more immersive college experience. These benefits, along with opportunities for social growth and mentorship, can shape future career paths and personal connections.
On the other hand, living at home offers financial stability and reduced debt. It allows students to focus on their studies without the distractions of campus life, providing a distraction-free environment for academic success. Additionally, contributing to household responsibilities or part-time work can help build maturity and financial responsibility. For some, this stability may outweigh the social and developmental advantages of living on campus.
Ultimately, whether the "college experience" is worth it depends on individual circumstances. While living on campus fosters personal growth and connections that can positively impact mental health, living at home prioritizes financial security and academic focus. Families should weigh these factors thoughtfully, considering both the potential for personal development and the practical need for financial stability.
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Originally published on Psychology Today on 2/22/2026