NYU doesn’t have early ACTION. NYU only has early DECISION.
Given your significant need for financial aid, it would not be wise to apply early decision anywhere and especially to a school like NYU that does not meet full need AND is notoriously well known for giving poor financial,aid packages.
In your situation, you would be smarter to apply regular decision and early ACTION to colleges so that you will have the ability to compare bottom line net costs where you get accepted.