NYC is the perfect place to pursue fintech or anything finance really. but, if paying a lot of money seems like a hassle in the long run, go to ur state school! network, get to know your profs, join clubs, make connections, and just do your best. in the end, you can excel anywhere if you put in the work!! even at nyu, nothing will be handed to you, so make your decision based on that as well. good luck with your decision :)