I didn't apply for my load until June. I ended up getting the best rates through Wells Fargo and the process was very quick. It only took a few days for everything to go through and get confirmed. So if you aren't totally sure that you will be attending I would hold off for a while. For housing, some of the nicer apartments will fill up, so you will want to start contacting places now. Last summer I started looking in June and many were full. However, there are lots of places to live and finding affordable housing shouldn't be a problem if you wait, it just might not be in the nicest place. I moved in the first week of August, gave myself about a week to get accommodated to New Mexico. I do know some people moved in June which was nice because then you are done with your contract when the school year starts so you don't have to deal with it for the summer in case you want to go home or leave NM. But then you are in Las Cruces for the summer.