Here’s the format for the address at SFSU (San Francisco State University). You cannot use the ~username shortcut, like you can in Apache. It must be the full path.
You must use the svn + ssh combo. Just svn or just http will not work.
Also, here’s how you put the password into TortoiseSVN so it doesn’t ask you for it 3 times per update. (thus making you never want to check in). Unfortunately, this isn’t a flexible solution if you login to different SVN servers.
Settings > Network > SSH Client:
C:\Program Files\TortoiseSVN\bin\TortoisePlink.exe -pw mypassword