USC isn't a State funded school. Poor choice. Your basic premise is right but for poor schmucks like me cost of housing and food are not exactly inconsiderable. My Junior year was great practice for grad school as I had to work part time to pay for food and housing study a demanding and time consuming major with its lab work while preparing for the MCAT but my housing and living cost were a substantial problem, obstacle and adversity to be overcome and I missed out on important aspects that enhance a college education such as building life long social networks and connections in the upper strata of society and extracurricular activities, etc. Then again though you missed out on the life experience of struggling through that adversity getting through school then struggling to pay off that debt. Although if I was you I wouldn't trade experiences. Yours was more pleasant for sure.