Ian Belcher

Living as a lodger would cost around £50 to £65 self catering, while a small modern house in the area would cost a minimum of £120,000, and up to £160,000. Ian Belcher, 20, from Potton, near Biggleswade, is a fourth-year maths student at Warwick University.He is sharing a house with friends. 'Most students move into houses in their second year at Warwick, and for the past year I've been living in a small, three-bedroomed terrace with a group of friends - the same place I'm going back to this year. 'It's about three miles from the university, which isn't too far, and I can cycle in to lectures every day.There's also a good bus service, which goes about every 15 minutes. 'I prefer living in a house to staying in halls.Working on campus was quite hard, because it often gets noisy at night, especially in the first year.Also, you rarely leave the university, and because you are on the same site it can feel like you've never had a break.One of the other advantages is that we can leave our stuff in the house over the holidays.' Ian pays £45 per week in rent, and around £90 per quarter on bills.Hall costs at Warwick University start from £41.45 for self catering, and Ian could expect to pay around £40 per week as a lodger or £50,000 to £60,000 for a small house similar to the one he rents. Hyungshic Cho, 27, from Seoul, South Korea, is a mature student studying film and video at the London College of Printing.He is living as a lodger in a house in Islington with landlords Pamela and Bob Brass. 'As a mature student, I didn't want to live in halls of residence, because I thought they would be quite noisy.