I don't know...I guess I'm sad that my parents were against dorming since I lived so close. I try to get over the fact that I commute because I feel like I can do something for myself even if I am in this situation. I'll go through these periods in my life where I feel inadequate, dealt bad cards, and didn't take the chance to leave even when my GPA was fantastic. Don't get me wrong, I don't hate myself but all I have are grades and some great conversations with professors. Still...
Mind if I ask where you went to college? What are you doing now?
My advice is probably exactly what you'd expect a reasonable, more adult and "mature" person on the internet whom you've never met say: don't do anything drastic. Finish your college at home, maintain your GPA, see if you can maybe land a job, local or remote, while you are still in school so that you have some money ready to be at your disposal once you graduate. As soon as you graduate, move your ass to a major city that is an epicenter of whatever your career happens to be, and live in a cool neighborhood with lots of other recent grads. Hopefully there will already be people you may know - maybe from high school, maybe from college - this will be your starting point for a social circle. Or if not - there's always meetup.com and okcupid.com
Good luck, and don't worry about missed opportunities. I've missed ten times as many more opportunities in my twenties as I did during college. If I had spent a lot of time thinking about all the things I missed out on in life, I'd probably put a bullet into myself a long time ago.
When you graduate from college, it's a whole whole different ball game. Most people lose touch with their friends from college, regardless of whether they dormed or not. Everyone gets a job at a boring Corp. Everyone eventually stops partying until 1 AM in the morning. Everyone eventually starts worrying about paying the rent, and all the "adult" things... trust me, by the time you graduated, everyone starts from Step 1.
Now go build a startup, so you can got an escape hatch after you graduate ^_^
Some people are somehow able to naturally fit into the college life even though they commute. Other people just don't, and need the continuous hustle of the dorm life to really feel like they are learning something about how people live and interact. You just might be one of the latter.