Should I move away from home to pursue the field I want?

I am an undergrad at the University of Toronto and going to apply to Physical Therapy and Occupational Therapy schools next year, the thing is I am not sure if I am going to get into the Physical Therapy program at the University of Toronto or not because it's really competitive but I don't know what to put as my second option; I like Occupational Therapy and if I put OT at the University of Toronto then I wouldn't have to move out (I live it at home) and thus wouldn't have to pay housing fees that I can't afford, but if I put PT at another university I would get the field I want but would have to move to the dorms and find a way to pay housing fees. What should I do? I should mention that both OT and PT interest me but OT is a little too vague for my liking so I am more inclined towards physical therapy.