College without living in a dorm? Social life issues?

In the spring I will be finished with my time at a community college. I had myself prepared mentally that I was finally going to get out of this house and be with actual people when I transfer in the fall but my dad dropped a bombshell on me indirectly when somebody asked him if I was commuting to school, he said yeah it wouldn't pay to live on campus. Wait a minute. 40 minute drive everyday in the fall compared to the 20 minute drive I have now. Ridiculous. Plus, I was so high on getting out of here and actually meeting people. I feel as if when I go to cl its just that, cl. I get up, go to school, get through it and come back home. I attended a 4 year school for 1 year prior to CC and I felt isolated there because I commuted there and everyone else seemingly lived there and were close. It led me to a depression that year that made me drop out of there to the school I'm at now. And oh yeah, add the mental pressure that I have of never having a girlfriend at age 21. I was hoping getting out would mean I could finally break that barrier once and for all but if I'm stuck here I don't know if I can ever get over it. What would I ever do if I found myself interested in someone? I would be kind of inconvenienced and embarred and think that I couldn't get anyone because they would think I'm a loser.