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Your mom is severely misinformed. Living on campus in school housing also has a host of benefits that are backed by research: more friends, more involvement, better academics, more likely to graduate, etc. Also, partying is a tiny slice of college life. You and your mom would seriously benefit from going on some college visits where you tour the campus, chat with students working as university ambassadors and tour guides, and going to an information session with the admissions office where you can ask questions.
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