Soo many reasons not to
1) the time wasted driving. when you get close to a test you really have little free time, and I can think of endless ways to spend that little bit of free time that are better than being in city traffic, I'm sure you can too. Also when your rotations start, you won't have the luxury of not needing to be to class untill 8am (or the luxury of not going to class at all), you have to get to the hospital to preround before official rounds before the 7am surgery, so an hour commute may indeed become a big big deal. Also when you get off of a call shift the last thing you're going to want to do is drive your butt home for an hour before you can collapse into a bed.
2) It will alienate you from your classmates a bit. No one will come over your house to hang out (especially dates
) and you will have to take your hour ride home into account when you are hanging out. No druken postest mahem cause are you really going to pay for a cab back to your parents house and stumble in at 4am??
3) Studying will be difficult. No one who hasn't done this really gets what you have to do. You will be distracted when nonmedschool people are around (in the same house) and you are trying to study. They will want to watch the TV the day before the test when you still have biochem lectures you've never looked at and would really like some quiet. They will distract you because they love you and like being around you, and they can't really get what you are doing. It happens with my husband all the time, I can't imagine with multiple people in the house trying to get anything done there. Most of my friends who live with non med people end up unable to study at home and live in coffee shops and libraries.
Medschool is stressful. It pushes you and forces you to grow in so many ways, and in order to do this it has to be stressful. Why add any extra stress to your life. Yeah 20K is alot, but sanity is worth way more than that, way more.