I think if you leave before November you will be liable for 25%. Why not stick it out? It will only be 3 years. Halls is not always the best place, what about the people on your course? What course are you doing? I would really suggest you stick it out, student finance will give you funding for the length of your course plus on years in case you make a mistake, so even if you went for one day they will count it as a year, so you will have lost one year of funding, so why not stick it out and see what happens?