My interest rates vary from 8% - 10.7%. I haven't looked into anything other than Sofi so I appreciate you providing insight there. I've got a GREAT deal with an apartment right now in Murray Hill only paying just over 1K but I see what you're saying about trying to save a couple hundred bucks a month in rent.

I can certainly start exploring new apartments. I don't know how long I'll be in NYC, just moved here in September, but would love to re-locate with the company I'm with. I work in consulting/recruiting building out sales teams for various VC backed startup companies. We're a startup ourselves so there's definitely lots of room for growth in the coming years.

How much did you have to pay a month in loans? Do you have any tips in terms of budgeting, etc.? I really don't eat out much and rarely spend money on alcohol when socializing. I live with my girlfriend and we entertain a lot here so my miscellaneous expenses are very low.

Thanks again for the insight. much appreciated.