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"The issue is how do you value it," he says. "You're probably looking at $4,500 to $6,000 in costs of living [per year] and over four years that's $20,000 more that will be financed."

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Brian Pritchard, trustee in bankruptcy and senior vicepresident for BDO Canada Ltd., points out student costs can end up hampering the retirement plans of parents once they start chipping in.

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"It's interesting to consider because you could start calculating how much it costs to live in different cities as the total cost of your education," says Mr. Tal.

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The TD study found a fouryear degree earned while living at home cost $52,000 a savings of $25,000 over the living away costs and will rise to $101,000 by 2027.

The Canadian Centre for Policy Alternatives indicates the average Canadian undergraduate was expected to pay $6,610 in tuition this past year, and that figure will grow to $7,437 in 2016 2017. Thompson, National Post

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But what about the expense side? It's not to suggest that students live extravagantly. Most don't. But one way to control your debt is not to take more on that you have to.

"Students often want to go away for university but it's an expensive proposition," said Craig Alexander, chief economist with TD.

Adidas Sl Loop Runner J

Adidas Sl Loop Runner J

between $1,001 and $5,000 this summer while about 26% will earn between $5,000 and $10,000.

He suggests the best strategy might be for students to take on the debt because they have more earning potential ahead with the proviso they are cautious with that debt.

$25,000 or so in savings might mean to you in the long term. Invested at a paltry 3%, and compounded, it would mean an extra $82,000 when you retire.

But for many students, the bigger expense is the cost of housing. Living at home while attending university may not be something everybody wants to consider but the savings are big.

Better yet, think of what the debt will mean to your lifestyle for your post graduate years. Even with prime at 3%, students pay 250 basis points above that, so that extra $25,000 bill upon graduation would mean a monthly payment of $271.32 based on 15 year amortization. It also means you paid more than $7,500 in interest by the time it is paid off, based on a 15 year schedule.

"Some universities are known to be particularly strong for their programs in certain fields," says Mr. Alexander. "You may be more attractive to employers because employers may be more attracted to certain schools."

"Given the cost of post secondary education, as well as other expenses students have, they will need to watch their spending carefully," said Christina Kramer, an executive vice president with CIBC, in a release.

A study from the Canadian Imperial Bank of Commerce conducted by Leger and released Tuesday found 65% of university and college students have a summer job this year while another 20% have been looking. The same survey found 53% of students expect to earn Adidas Sl 72 Q20728

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There is valid experience that comes from moving away but there are costs associated with that, it's a trade off, said Mr. Pritchard.

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No kidding. The summer job is simply not going to cut it as the average cost of education continues to climb.

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CIBC deputy chief economist Benjamin Tal produced a study last year that looked at the value of different degrees, noting that some degrees like engineering are going to produce a greater return than say a fine arts degree.

Adidas Sl Loop Runner J

Adidas Sl Loop Runner J

´╗┐Check into the dorm of mom and dad's

One problem with the idea of living at home is there may not be a university in your town or one with Adidas Sl Loop Runner J the degree you want. Perhaps, you simply can't get into a university in the city you live in because your marks won't cut it.

Of course there are also good reasons to leave home to study.

, Financial Post

"If you live in Toronto, it's probably not critical to go out of town. If you live in Timbuktu, it is certainly critical. Even if you live in Toronto, it might be critical to go out of town to enter an especially appropriate program for you," says Saul Schwartz, a Carleton University professor who has studied student debt issues.

A study from Statistics Canada, albeit an old one from a decade ago, looked at whether families living near universities had a major cost savings advantage. "Distance appears to play a much bigger role for students in families in lower income brackets," the StatsCan study found, showing those kids were more likely to pursue a degree if they had a university nearby.

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The Canadian Centre for Policy Alternatives said the average Canadian undergraduate was expected to pay $6,610 in tuition this past year, and that figure will grow to $7,437 in 2016 2017. A Toronto Dominion Bank study in 2009 suggests an away from home four year degree was $77,000, with the figure forecast to jump to $137,000 by 2027.

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