There are apartments right across the street from the university and they are affordable for college students. They are also right near a bus station that can take you to the train station and downtown area for shopping and entertainment.
I am a commuter so I would not know the off-campus housing situation.
There are many apartment complexes and houses for rent within a short distance of the school for reasonable rent. Most of the apartments charge only utilities in addition to rent. There is plenty of parking available and the neighborhoods of River Forest, Oak Park, and Elmwood Park are very safe. Most of the housing I looked at last year was a 5 minute drive/15 minute walk from campus, which is very convenient. Concordia also has a housing board in its community center where various rental and housing listings are posted.
Although the parking and convenience are great, the price to live off campus across the street is higher than what one would pay to live on-campus. The best way to save your money is to commute from home. To get into one of the apartments across the street, a person has to enter into a contest where upper classmen have the higher chances of winning.
The school has eliminated all but 2 buildings for off-campus housing. Each building has 4 2-bedroom apartments, so housing is limited. It is best to get 3 of your good friends and try to get the apartment together. There is no curfew-type housing, but you are responsible for all cleaning, food, and other housing things. There is a laundry room in the basement, but you will need to supply your own quarters.
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