Also something else to note: if you can't prove that you're currently making at least 40 times the monthly rent, you will almost certainly need a co-signer on the lease to act as a guarantor, and the guarantor usually has to prove income at 70x the monthly rent. Nope, having incoming student loan money will not cut it. I know it is ridiculous, but trust me, I went through this myself when I moved to Manhattan. They actually usually require pay stubs from the past few months as well as possibly tax returns or a letter from your employer. My friend and fellow New Yorker put it best when she said "The thought of finding housing in NYC is enough to make me want to curl up into the fetal position on the floor." It is that bad (well at least Manhattan is; you may have better luck in Queens). Honestly, if you don't have a guarantor or aren't currently employed, I would seriously recommend living in student housing for the first year. That will give you a chance to meet people and find a room in an apartment where someone else already jumped through all the hoops, paid all the broker's fees, proved the 40x rent income, etc. Good luck, you will need it. Moving to Manhattan was one of the most painful experiences of my life. I LOVE, LOVE, LOVE NEW YORK. BUT IT IS NOT AN EASY CITY. NOTHING IS EASY HERE, BE PREPARED.
Oh, and please be wary of paying money to places like RentDirect.com that offer to give you listings where there is no fee for the "relatively small fee of $200". They are a bunch of crooks in my opinion and experience.