Congrats! NYU is a great school. Learn from your previous experience, though. You had the scores for Columbia, but didn't get in. It sounds like you're currently doing the same thing...achieving great scores (I presume you will do so on the MCAT), but not structuring your life in a way that is conducive to getting involved in EC's, and even experiencing college life! As important as non-academic stuff is for med school, it's equally important for your own personal growth, not to mention your sanity 🙂 What's the point in choosing a REALLY pricey college mainly for the NYC experience if you're holed up in the library???
Your first step is to go to financial aid and ask them if you're eligible to for ANY aid related to cost of living. It's probably a stretch, since there are tons of kids who are struggling to pay for their own state U. (let alone a private school), with no help from their parents even with tuition. But it's worth a shot. If you can't take out loans or do a work-study program, check out becoming an RA next year. That will cover housing. My best friend was so broke that she got a scholarship that covered most of her tuition at NYU (Tisch) year ago, and though the financial aid office couldn't do much, the cool thing about NYU is that they are privy to placing students in really cool jobs that are in their chosen fields. She was a film major, and NYU helped her find a job at the university in the film department, as well as a paid externship at MTV that helped her land a really sweet gig when she graduated.
For now, as a freshman pre-med, NYU can probably help find you some unusual position in the hospital or a clinic that is much more interesting and relevant on your AMCAS than whatever you're currently doing for $10-15/hour. The pay may be the same, but the experience will be better. You need to be REALLY proactive and knock on a lot of doors if you want to tap into these opportunities. My best friend worked at a coffee shop and spent all her free time freshman year asking about opportunities, and found two that paid the bills and paved the way to her future job.
Get used to a lifestyle that does not include much sleep or downtime. Just find the opportunities that allow you to pursue this path as efficiently as possible. Best of luck to you!