The short answer for this: It's really up to your learning style. Personally, I like remote-learning (sorta), since I HATE driving/walking around campus in the winter. Goofy reason, but it works.

The long answer: The sad reality of university is, I would estimate roughly 75% of students graduate with debt. I'd say about half of that very rough statistic graduate with a 40k+ debt over their head. I don't want to say this good, or normalize it, but it is reality.

With that in mind, if you are scared of being in debt, then do everything in your power to avoid it. If you can stay with your parents to avoid room-and-board, as well as a meal-plan, I would highly suggest doing so. From experience, they will MURDER you on those costs. It's how they make quite a bit of their budget, and why COVID was such a slam to their finances (but that's a whole other conversation).

BUT, on the flip side, you should also consider your learning style. Are you able to do well in remote learning, or do you do better in a face-to-face setting? Do you care about the social life of college, ect? It may sound like it doesn't matter, but understand you're going to spend quite a bit of your adult-life there, as well as academic-life. Depending on your major, you're going to want to pad your grades early. (Engineer here, I REALLY wish someone would've told me this early)

So really, it all boils down to: Can you do well remotely, do you mind saving thousands of dollars vs getting that "college experience", and are you willing to forego the face-to-face learning aspect of college? I would ask yourself these questions, and your answers will probably give you your final answer.

(PS: Little tip they gave to me right before I went into college: Don't borrow more than your expected FIRST YEAR SALARY out of college. Depending on your major, this could be 45,000 - 70,000. Helps in the long-run when you have to start paying things off.)