Arranging for housing for college students can often be very stressful.  The student is leaving home for the first time and will be responsible for his/her own actions without the intervention of a parental figure.  Many colleges offer on-campus housing for a lower price than even the cheapest off-campus housing.  For the most part admission into on-campus housing is possible for any enrolled student taking more than 6 hours.
Most on-campus housing requires taking a roommate and offers a few single rooms for a larger fee.

The only new issue that a home schooler may potentially have to deal with involves going to college early.  Many colleges allow those that are 17 or older into their residence halls.  Most off-campus housing available require the student to be 18 to sign a rental contract.

Primary forms of housing available to all students:

• Living at home and commute to college.  For younger students this may often be the only viable option.  It is also by far the cheapest option if the college the student wishes to attend a college in the local area.
• Living in an on-campus residence hall.  This is a feature that many colleges offer to at least some of their students.  However, most community colleges do not offer this option and many larger universities can only offer this option to a small portion of their student population.
• Living in an off-campus residence hall.  This housing opportunity grew up in the wake of limited on-campus housing to students.  Private residence halls are built and run by businesses outside the university hierarchy.  Typically they include all bills for a standard price and the entire room can be paid for up front or in monthly installments.  For students who wish to get into a residence and stay there every year attending straight through this might be the option.  Many campuses with housing shortages limit on-campus living opportunites by class rank or at least give preference by class rank.  Typically doing their best to accommodate new students while giving a lesser effort to experienced students.  These residences are often closer to the university than most other types of housing.  Often the on-campus housing office will have information about these residence halls.  However, these off-campus residence halls are usually more expensive than living in an on-campus residence hall.
• Living in a student run cooperative housing home.  I know less about these than I do about other housing types.  The student lives in a cooperative house and shares the chores of maintaining the house and in fact this is often part of the contract.  Otherwise it is much like living in an off-campus apartment.
• Living off-campus in an apartment.  The student is responsible for all bills and all rental obligations like anyone else renting an apartment.  Most students need to take a roommate to make this a fiscally viable obtion.
• Renting a room in a house.  Many students go in together and get a single house which they each pay a portion of the rent.  This pulls down the price of the house until it becomes an affordable option for students.
• Renting a room from a homeowner.  Some homeowners to help pay their own bills will rent out one of the rooms in their house.  These will vary vastly as those renting in this way will vary widely.