although i recently submitted my deposit for columbia, i will not deny that columbia is very expensive. i will add that im not sure what part of nyc you have visited, but there are manyyy different parts of nyc. times square/penn station (34th st) is very chaotic and upbeat for sure. however, columbia is on 168th street which is a totally different location and vibe. i have visited there twice and its definitely less stressful and loud and much less crazy people.
i also will add that what other school matches students into omfs residencies other than columbia? (since you're dead set on it)
idk much about the uab program so i have no comment on that besides its a state school so its a great school financially. but yes as an incoming D1 at cdm, i am a bit biased. but i just wanted to give you a bit more clarification, so do what you will