As for fees, you need a house, you need to eat, whether or not you go to college. $10,000 in living expenses for a year.

I don't know what or where you are Googling, but if a student is living with parents, he is not paying $15,640 in tuition and fees.

At U. Arizona, tuition and fees are $6,800 according to this:

http://www.bursar.arizona.edu/students/fees/showrates.asp?term=101&feetype=undergrad&feerate =res

Where are you coming up with $15,640?