Replying to Those of you who live off-campus

I'm having a real hard time convincing my mom to let me get an apartment next year. In my mind, the learning experience of living on my own is worth extra cost (which is very small. Per month, room and board + meal plan = roughly rent + utilities) She's convinced that she wouldn't be able to send out another check every month for my rent, which is about double the mortgage payment on my parents' house.

So my question is: Do any of your loan providers cover your rent? I believe they cover my on-campus housing, but I'm not sure.