"The main issue for me is the money, though. I'm paying for my tuition entirely myself, and my family doesn't qualify for any financial aid...we're not even close to being considered low income. NYU's insanely expensive tuition plus their lack of scholarships is the main thing that made me realize I can't even consider applying."
Apply anyway. You never know what opportunities may come your way, and until you fill out the FAFSA, you won't know what financial aide you will receive. Even if you say now your family won't qualify, you have nothing to lose in taking the steps and seeing what may come out of it.
I applied to a school I originally thought I could not afford. Before I applied, my chances of attending if I was accepted were pretty slim due to financial concern; however, I filled out the necessary financial aide paperwork and ran into aide I did not expect. I ended up attending and had a great four years. Yes, I have loans, but I would not take the time back for anything.
I strongly encourage you to apply to NYU if you think it may be a good fit for what you're looking for in an education. Worry about things like money/loans when you actually have the financial package in front of you.
"We like to snark around here. Sometimes we actually talk about theater...but we try not to let that get in our way." - dramamama611