Einstein's in a pretty nice area, stop watching 80s NYC flicks - times have changed. People in NY are too busy working their ass off to be bothering you, and if you do go there you would absolutely notice and love that aspect of a the city. However, NYC isn't for everyone. Drexel (School of Medicine and Hospital) are both in pretty nice areas.
Einstein and Drexel are both highly accessible by public transportation, clinically highly regarded by the patients in their city and Einstein has tons of research and other opportunities as well.
I honestly don't know where you guys come up with this bad idea thing about Einstein for. Just cuz it looks run down a bit and people wander the streets? Academic centers have wide range of patients and the surrounding areas never look like that of a private hospital. NYC has ridiculously strict anti-violence/crime laws and also laws against big corporate business which fosters a lot of jobs through small businesses so crime isn't all that common (esp per capita).
You also have to understand that Philadelphia, NY, NJ are highly urbanized and have been established for wayyy longer than other parts of the country. NYC and Philly are top 5 in terms of population (PHX doesn't count) and are in large metropolitan areas. The city has historical preservation laws that have at times come to block urban renovation and new construction (which is why skyskrapers are lacking in Philly). So cities become centralized and some parts get ignored. NYC was pretty crappy back in the 80s but it had a huge boom in the 90s and I would say almost all parts of the city are decently safe and personable. Succeeding in an urban area also gives you a really unique feeling of pride, esp with a Yankee Stadium/Citizen's Bank Field near by.
If you do honestly feel that the area is not for you, you should look into the rotating hospitals. Einstein is connected to Beth Israel in Manhattan/Union Square and you just can't do better than there.
But if UCF is cheaper for you, I would totally take the difference in money and stay in Florida.