Parents don't want me to take out loans?

Paying for College
41

Or be prepared to have to drop out of school if even the slightest glitch happens. If only an $8000/ yr difference exists, the OP did not apply to schools that are actually affordable. But that is a totally different issue. If her parents are unskilled laborers, an accident, illness, a layoff, or reduction in hours, or necessary major repairs to their home could mean the difference between being a college student and not.

It means no room for a single financial crisis over a 4 yr period.

42

If the parents are laborers and are paid under the table, they may not be contributing to SS.

43

The OP got almost a full tuition scholarship from the local private university that is one of the best in the field. How much better could she do? Maybe Columbia would be a bit cheaper. Any more affordable options would imply a full ride.
Can you commute to NYU from home if need be? If yes then Stern is clearly the best choice.