Hi there
Congratulations on your offers, first of all

I understand your concerns regarding the student debt and I'd say it's a fair one. The college accommodation prices and even the private housing prices have gone up here due to the cost of living crisis fuelled by inflation. Some things to think about:
Are you eligible for a
student loan from SFE? They'll help with your tuition fees and could potentially offer a maintenance grant. I'm not the most knowledgeable about this though, but there's a separate forum where SFE reps can answer your questions:
https://www.thestudentroom.co.uk/forumdisplay.php?f=910. This forum also has a 'how-to guide' which can help with the application process. Durham also offers short-term and long-term loans- unfortunately I can't find the information page for it online but I'm sure this option exists and you can discuss this with the scholarship advisor as I've mentioned below.
Scholarships: Durham offers several internal scholarships which you can have a look at
here. There are also scholarships offered by
departments and colleges that can help with maintenance and/or tuition fees. I can see there's one offered by the English department which provides you with £4,000 per academic year if you meet the eligibility criteria. There's also an external scholarship
database that's worth looking into.
The university also provides cost-of-living support from food banks to free breakfast clubs and grants. You can read about them in more detail here:
Cost of Living HubDurham Grant Scheme: You can be offered up to £2,670 per year depending on your family income. More information is
here.
If you want to save on accommodation costs, you can potentially live out instead of living in college. Even though prices of both have gone up, shared student housing will still tend to be cheaper depending on the location. There are pros and cons to living out in first year which I have discussed
here and
here.
Finally, I would advise that you get in touch with the scholarships team at
[email protected] to discuss your personal circumstances. There might be information that I have missed out and they'd be able to provide.
Hope this helps but feel free to get in touch again if I can assist you further!
-Himieka