OP it is totally your decision and we all respect that but know that for our family, which is also low income, NYU was off the table from the moment I ran the net price calc. I am glad that you are doing research and asking questions, and you are lucky that some very experienced posters are giving you ideas.
Some random thoughts:
- ED means you cannot apply anywhere else. It is a risky strategy for low income students (see previous posts).
- If you do QB, have you already started your app for Pre-College (juniors)? Due March 23.
- Pick 3 CUNY/SUNY schools where you stand a good chance before focusing on private schools. You want to be sure to have a safe course of action. This is what D did and even tho she eventually got into HEOP at a private school at least we knew that she would go to her favorite SUNY if nothing else.