Please use this thread going forward: Lot Types Change to a different one | EA Forums - 11945501
I suspect this is mod-related even though you removed your mods. You shouldn't be able to access Build/Buy mode (without cheats) for University housing if you are living there. If you do use cheats, such as bb.enableFreeBuild, you should have infinite funds like you would at a community lot. You don't own University housing, so changes are not supposed to affect your household funds.
I just tried this with an existing Sim. She moved into Maritime Manor after applying for university and enrolling at Foxbury. She was not able to access Build/Buy mode without cheats. Build/Buy mode was unlocked when I used bb.enableFreeBuild but had the infinite symbol in place of funds. I'm not getting the results that you are.
