Hi pippapants, thank you for being open to the discussion. Cost of living is definitely one of the most important factors when considering schools, especially at ph.d level. It sounded like you've made a good choice. Because of the nature of my research interest (homelessness), all of the schools I applied to were in urban cities, and I was lucky to be offered with tuition waiver and stipend for the first two years at NYU, and the school said they have strong record of supporting students financially for the remaining years. Regardless, Ph.d. is a tough path, not only financially, but psychologically and emotionally. Hope we will all get paid back.