Hi there
you're so kind to offer, but I sent my application in back in October - I'm applying to Cambridge (for my sins!). Thank you so much though.
In Ireland, there's a very mixed bag when you're talking about accommodation. In first year, I would say that the overwhelming majority stay in "campus accommodation", i.e. accommodation owned by the university so it's exclusively students who live there. If you do come to Ireland, I'd strongly recommend to stay there for first year - great way of socialising, etc., particularly for you since I assume you won't know anyone.
Those who can't get campus for 1st Year (as far as I know, it's oversubscribed in most universities) also often stay in digs - there could be two or three students there, which leads to a really nice atmosphere when coupled with the family vibe of the whole thing.
Thanks to a culture of going to universities with geographic proximity in mind in Ireland, there will be some people who live in Cork or bordering counties and commute each day. But since UCC is one of Ireland's leading universities, you'll get a lot of students there who
WANT to go there - as in they'll come from all over the country, so they won't be staying at home with Mam and Dad! Plus, even some students who live nearby will pay for campus. One of my cousins went to college about half an hour away from where he lived, but stayed in student accommodation just so he could properly enjoy the experience. What you will see, though, is a lot of students going home on weekends. Ireland's small, so there's a big thing of going home every weekend (getting the washing done and being fed properly being big encouragements to do so
). But Cork's an amazing city, plus you have family there, so I wouldn't let that put you off at all. Cork also isn't as connected as Dublin, so there could be a lesser amount of people doing the weekly commute.
I can't say I know of any specifically-accommodation loans - maybe get in touch with UCC and see if they can point you towards anything, but I've never heard of any. That doesn't rule anything out though, so maybe investigate a bit further.
Finally - that's a lot, alright! That must be a tough situation to get into, but remember before you start college that the university will more than likely be able to help if you ever get into serious financial difficulty.
As for loans, we don't have a setup in place similar to the UK. Because fees are relatively (?) cheap (?) here, I suppose they don't feel the need to intervene. What I would recommend is looking into the Credit Union. I'm not sure how viable it will be for you but since you own a Irish passport and will be using the money to pay for Irish university I'd say they'd look favourably on it. The CUs are basically a national organisation with local branches and as far as I know they can be really flexible when exploring repayment plans, etc. They're all "for the community!"-style stuff - maybe Google them and look into it.
I really hope I've managed to help in some way! Let me know if you want to hear more about something or anything