I went to NYU, and commuted to Manhattan from Queens. My parents were also against me dorming. Yea I wasn't too pleased with them for that. Oh well. This was over a decade ago - now I live in Berkeley, CA; I work as a consultant programmer on various web related projects, after having done a few startups as a cofounder (none worked out) and at this point the fact that I lived at home during college is no longer relevant - after college I got a job, moved into a four bedroom apartment in Brooklyn NY with a couple of dudes some of whom I knew from high school, and pretty much spent all of my twenties doing what people do for four years in dorms in colleges: coding with my roommate, partying, self-analyzing, making mistakes, building and fucking up relationships, developing various professional and social skills.

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.