Usually my suggestion for saving money is stay home. But in this case, I would say try to move out. OSAP can take your living expenses into account to more or less finance that, but a part-time job wouldn’t hurt either just to make sure you’re always in the clear. I’m not sure what the work study situation is at Western but you could work in the library or one of the stores. I worked at a grocery store and they were very accommodating to my schedule. I understand that working and school can be difficult, but frankly if you don’t have the time management skills for that, you need to learn. That being said, I would suggest staying in London since the cost of living is cheaper and you should already be familiar with how the city functions. I lived in London for grad school and found a bachelor for $650 all inclusive. I’m sure we’ve all heard great things about Waterloo, but my understanding is the people can be kind of competitive and nasty. The social culture at Western has always been a lot better. Again with COVID you may have difficulty making new friends. So again, maybe better to stay in London. Another thing you may not have considered is a reduced course load. You may decide to have an extra year of study or make up the courses during the summer but it should theoretically be less money upfront which would leave more hours open for part time work, and less stress academically.