You’ve got a 5th Gen 4 runner (presumably). If $ is tight enough to consider living in it, sell it. With a reasonable place to live and a roommate, you should have 4 year’s worth of $ there, whether it’s in cash or saved payments.
I could see it being fun/practical for a month between leases, a summer, etc, but no way I’d want to do that while in school full time.
Student housing has gotten nuts here with luxury apartments, etc recently. I knew guys that lived in dumps of houses with a mattress in the corner of the living room and a sheet hung from the ceiling, they were paying $150-$200/month.
Knowing what I do now about building wealth, I would 100% go back and buy either a 2/2 duplex or 3 bedroom house, and get roommates. There are FHA loans, down payment assistance, etc. With interest rates being what they are right now, you probably won’t be able to live “for free” but at least you aren’t wasting money.
DON’T buy it with your girlfriend, and DON’T let her live there for free/groceries/utilities/etc. She will get tired of the roommates and want to “play house” with just the two of you.
Presumably, in 3-4 years interest rates will be a bit lower and you’ll have built up some equity in it. You can refinance, pull a little bit of cash out for a down payment on another house, and it becomes a full rental.