Personally, I cannot wait to live in my house nestx year with my sisters for the first time - i think it's going to be a blast! However, a friend of mine had this problem this year. She's a junior and a member of DG and her chapter requires them to not so much live in the house a year - b/c I'm pretty sure that's personal preference - but that had to pay in house dues, ie: room and board. She had nooo desire to live in her house as much as she loves her sisters, so what she did was live in an apartment, pay rent for that, AND she paid to live in the house, while not actually living there. Now that's all fine and dandy if you can afford that, but let's get real, who can? I don't think your chapter can force you to live in your house, i think that rule is mostly in effect so that the house is fully occupied and there is enough money to run things smoothly.
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