[Always *]

That's a tough call. I think that for me it was an easy choice; the idea of having to stay in my hometown alone would have killed me, literally, it would have genuinely ruined me. And I am not saying that as some resentful kid who hates their town; it just wasn't a healthy place for me to be. Now on the flip side I was also in a position where moving wasn't going to incur ridiculous debt nor was NOT moving really a problem since I lived in an ity bity college without a "real" college campus (there is a tiny campus that offers a few things but nothing I was interested in). So I mean, I can see moving where you really have no choice.
But on the other hand if you know you want a PhD, maybe it would be worth saving the money now in your undergraduate work and moving for your graduate work. Because graduate work is so expensive the debt from that alone is likely to be pretty hefty.
What I want to ask is this: Will whatever you get your PhD in give you a good enough job to allow you to pay back any debt easily? Does the prestige of your school really matter in the field you are interested in or is the work you conduct going to be what really matters? Have you looked into the schools you're interested in and see what kind of grad programs they have since a lot of schools are likely to want to accept some of their own students for a masters/PhD? And if you decide to stay close to home to save the money will you end up hating it so much that you won't even continue on with school to your PhD just to be done with having to be stuck there?
I think though you have to consider what is good for you