Claim a residency in Scatterwalk's
lodging for students is free. You will be assigned chores around the keep, but the Academy feeds, houses and
even pays it's students in exchange for the minimal labor expected. Otherwise, you may choose to
rent lodgings in town with your pay, though the trip is rarely safe after dark.
The rooms in town really aren't THAT bad. (Though I would suggest the
Roost, unless you enjoy raucious brawls at all hours; if you do the
Poisoned Goblin is the place for you.)