My daughter came home at the beginning of December, and is still here. She is in the 3rd year and in private rented accommodation, so for the second year running we are paying for accommodation that she is not using for a considerable period.
She doesn't intend to go back until households are allowed to mix indoors again, or after Easter (whichever is the sooner). All her lectures etc are on-line, as they have been since beginning of the academic year, and she doesn't need the library because she has on-line access to everything she needs.
She doesn't have a local GP now, but I don't imagine her GP is seeing patients face to face anyway, so if she needs something she will try and get a video or phone consultation.
Her housemates returned after Christmas and have been mixing with one other household (it's a friendship group of 9 altogether). None of them have had Covid (as far as they know).
I gather that there is some tension between those who have returned, because some want to restrict the contact to the current two households (which is breaking the rules anyway) and others who want to mix more widely. My daughter is happy to stay out of it, though she is obviously missing her friends and her boyfriend.
It's not an easy situation for any of them, and I only hope that her final term can be more normal.