Affording housing

Hi, I was just wondering how people afford off campus housing. I talked to my advisor and he told me that people usually budget their refund checks from the school throughout the year. I’m under banner so I’m wondering if any other banner students got a large refund check back and paid housing with that. Like is it possible for you to use your refund check to pay for rent? I’m a first year and I’m just worried about not getting housing.