Hi Luana,
I'm in college too, so let me see what I can add:
I'm timing hormones so I can transition to full-time before grad school (still undergrad)... is it important that you're living full time before graduation? Preparing my body now to make the eventual transition more seamless seems to make sense. If you'll be living on campus, making aquaintances and coming into contact with a lot of people is inevitable, so it might be easier to just worry about HRT/electrolysis-laser/voice/etc while a student, and than go ft afterwards.
As for housing, if dormatories are the cheaper way to go, I would like to echo Dennis in saying that dorms are an option for transgendered people. I got my doctor to write a letter to the housing office, saying that I needed a private room for medical reasons. With that approach, no one in administration has to know a thing (if you don't want them to), and in my experience you should be given a single room, no questions asked. If you get a dorm room, DO be sure to try to get into a co-ed dormatory... there's nothing worse than living in a building full of boys. The only complication I ran into this way was showering (every three rooms had the same bathroom, which was icky and I had to be secretive about shaving). By the end of the year last year, between my "shower secrecy" and appearance, I think my fellow residents were conviced I was physiologically intersexed, haha. I've sinced transferred and commute from home, so it's no longer an issue, but if I had to go back to a dormatory I would be a lot less worried.
As for text books, I would recommend not only getting them used, but getting them online, where they can often be found even cheaper (but be careful of s&h!). Do you have any special skills or talents? You might consider having a little side business of your own, which always has the potential to "take off" and make other jobs unneeded. Remeber, there's NO reason you shouldn't be able to go to college, pay for transition needs, and the cost of living... if you really want it, there's always a way. Good luck, but live life as though you don't need luck!.