Are these 5 sentences correct? Thanks so much for your help!

During my time at University, I had [I’ve had? Both. 2nd is better] several roommates. They were from all around the world, spoke various languages, and practiced different religions, but there was one constant: they were all my age.

When I landed my first job, I was eager to finally live on my own. But thanks to the housing crisis (and the student loan I had/have(depending on your meaning, tho 'had' seems more likely) to repay), it quickly seemed out of reach. At that time, a friend of mine told me about intergenerational living.

Very well written!

Are these 5 sentences correct? Thanks so much for your help!

During my time at university, I had [I’ve had?] several roommates.(The period of time is completed) My roommates were from all around the world, spoke various languages, and practised different religions, but there was one constant: they were all my age.

When I landed my first job, I was eager to finally live on my own. But thanks to the housing crisis (and the student loan I have to repay), it quickly seemed (out of) beyond my reach. At that time, a friend of mine told me about inter-generational living.