My daughter is going into second year at Glasgow. Arts degree. She rarely goes to lectures anyway and has been using the online content for some time. She has to attend tutorials but only about 3 times a week. Because her University flat last year was about 6 grand for a pokey little room and the use of a kitchen miles from the University, she has decided to use her loan to commute from home by coach using her student discount and the 10 journey passes rather than season tickets which won't save her anything if she is not using them every day.
She loved first year and had a good birthday and freshers week but didn't really meet anyone outside her own flat that she didn't already know from school or back home. Her flatmates are all much older and wealthier (she was just 17, they were all 19) and have decided to get quite an expensive flat which she can't afford so she decided that as they aren't best buddies she wanted to do her own thing. Hence the decision to commute from home. We have quite a large house with office space. We both have degrees in her discipline. She won't want for support.
The money she saves will go towards a deposit on a flat for 3rd year. Another reason we decided not to flat hunt was 1) uncertainty about if there would be any face to face teaching and 2) the inability to view properties in person.
Not everyone can do as she is deciding but she had her year of independence and has decided to take a break and do things at her own pace. Just socialise at weekends and maybe learn to drive if that is going to be allowed.
Reasonably certain that social distancing can be maintained with a frequent coach service and tutorials which consist of a handful of people being held in much larger rooms.
If she needs to stay over for any reason (exams, etc) then Premier Inn for few days might be possible. Presumably they will reopen next year.
All of this entirely her decision and we support her 100%.