Housing?

Although I've yet to completely settle the requirements the University sent me, I am now facing another challenge....housing. I've applied to 3 Universities and the problem with that is, all of them are expecting me to accept their offer which means I have to apply for housing. What I don't like is that I have to pay for the application which to me seems like daylight robbery as I may NOT choose to study in that University anyway. How can I solve this? To apply or not to apply yet until I have completely made up my mind? Argh...everything is so stupid and annoying!! I have to deal with all of this soon and by soon meaning within 2 weeks or so. My sudden aversion towards the computer is not helping at all. How now, eh?