Your first 2 years you will spend studying most of the time. You won't be having this amazing life in the "greatest city on the planet." If you have a proper 3rd year, you will be working most of the time. First half of 4th year you will spend on auditions and board exams. It's quite honestly a waste of your money to go to NYC to live in a matchbox just to say you're in NYC.
I truly discourage most people from deluding themselves into thinking that the city you are going to be in med school makes a difference. I was minutes from proper LA and I can say that during my first 2 years I never visited once. I had a bit more time to see LA 3rd year and I was gone on 4th. Honestly, I would have gotten more of LA had I just gone as my month vacation during my 3rd or 4th year