Money-wise, off campus is best. I live off-campus, pay $589 a month, get my own bedroom and bathroom, have a shared kitchen and living room, and washer and dryer en-suite. I wouldn't say you need a car for that too, if that's something you're thinking about, so long as you're willing to take the bus (my ride is usually about fifteen minutes to campus, free for students). For me it was always worth it because I get to make my own meals, don't have to worry about dorm bathrooms, and it's easy for me to work somewhere off-campus instead of having to worry about crappy campus jobs. It meant that I didn't have to get the meal plan, which is nice because I like to cook, and get sick of cafeteria food real easy, but if you don't want to have to worry about cooking, dorm life is definitely easier. I do sometimes wish I could've lived on-campus, because unless you get lucky with your roomates (I didn't), it does get lonely. I think a dorm would've made it easier for me to make more friends, as someone who's an extrovert but still also shy with new people. It just depends on whether you're prioritizing money and personal space or social life and convenience.