Only an incredibly small number of American students can afford NYU even with financial aid. Don’t confuse the point that it is expensive for the idea that the education is head and shoulders better.
It is a bad idea for your parents to spend that money for NYU. It is probably a bad idea for them to spend even half that amount of money.
The advice we give to all kids is to find something that fits what you need AND you can afford. We tell American kids all the time that they are better off spending less. You can search the threads–eg “is VT worth an extra $20k per year” etc.
If you can provide more information someone here may be able to assist you.