This is very true in my experience. My college expenses were slashed in half when I moved out of the dorm and into a tiny studio apartment across the city from my campus. It also really hurt my ability to study when I was so far from campus. It hurt my studies even moreso when I needed to take on a part time job to try mitigating the costs of my rent. It’s a really toxic system, because the parts of cities with universties tend to be the expensive parts of cities.