oops! I hit the wrong reply 6ren is right, but it's not the whole story. In addition to to being able to have multiple people each entirely responsible for a s

oops! I hit the wrong reply 6ren is right, but it's not the whole story. In addition to to being able to have multiple people each entirely responsible for a single lease, we (Australia) have a very generous "student allowance" scheme for most students. This guarantees us students a fortnightly income that is almost certainly at least whatever we would be paying in rent + utilities. My situation is such an example. I live with three other students and one adorable puppy in an expensive city (Brisbane, Queensland - Numbeo.com estimates Brisbane's living costs as ~87% of NYC's). We live just ~5km or ~3 miles from either of the two local universities, and just above 2km or ~1.5 miles from the CBD. Rent is not cheap in our area. Yet we had no insurmountable problems obtaining a lease. Rental applications are competitive in this area, so we did have to apply for a lot of leases - but credit concerns were never a problem. Despite being employed for maybe just 12 hours a week each, money is not in question - there are four people each entirely responsible for the rent who are guaranteed social benefits that amount to at least enough for their share. Unemployed Australians also receive similar social benefits provided they keep applying for jobs.