Do not stay in university housing, it is horrible and certainly not worth the price. The person who said that Champaign is mostly frats and bars is only referring to Champaign on and immediately around campus and downtown. Champaign is much bigger than Urbana and is where most of the residential areas are for families. That being said, there are tons of apartments in Champaign and, unlike Urbana, they will get you away from campus, which is nice, especially since the bus system goes everywhere. I like Urbana, I go there frequently for restaurants and the market, but I wouldn't want to live there (they don't take care of their streets, not many places to shop, only two grocery stores, etc.).