Ok hiiii fellow long islander here
I can relate. Not in student loan debt relate but I understand where you fall.
SUNY schools are outnumbered by private schools here on Long Island. So truth be told there's not many choices and fierce competition. You really end up going wherever you are accepted whether it be ADN, BSN, 20k/year, 10k/year. Really if you want to be a nurse on LI you take what you can get. Or if you can put up the fight you try for a CUNY school in the city where the tuition is cheaper BUT the competition is EVEN WORSE, and you incur tons of commuting costs.
it's a double edged sword. And honestly even in Long Island the commute isn't too pleasant unless you live in the same town as your school.
Now that that's said. I can guess in less than three tries what school you go to. These private schools are severely inflated with tuition costs.
The question really is. What's kinds of loans do you have? Private bank? Federal Sallie Mae? Perkins from the school? Because all of this matters. I encourage EVERYONE to read their master promissory notes on their loans. You'll find quite a nice surprise. Nurses qualify for loan cancellation of up to 100%. Their are conditions but at least you know there are options. And also look into state facility jobs when you graduate. There are programs where if you work x amount of years in "under served" communities (pretty much any where in the five boroughs) or community based nursing will qualify you for reductions in loans per year. This is all usually for federal loans, private loans your on your own mostly.
So yes 100k is a crazy amount. Do you feel that it's worth it? Average nursing salary on Long Island runs 65-70k, could you manage? I think so. It might not be ideal but its a choice you make.
And honestly I don't think you should feed everyone the "long island is expensive bit". I fare much better out here than in the city and I'm definitely not rich. People automatically assume that long islanders have money just because we have some well known areas out here that are known for THEIR money.
So you have two years left. My suggestions? Start applying for scholarships ASAP!! Anything you can get. Apply for the HRSA/Nurse Corps scholarship (google that). If your working try to put some obey towards your tuition every semester. Ask for textbooks for school for Xmas and birthdays or whatever. But you need to start cutting costs NOW!