Maybe you've been through all your options, so excuse me if I'm being unhelpful or ignorant. But have you tried looking for a roommate(s)? Potentially you wouldn't even need to be on a lease that way, and you might make some good social connections. Admittedly, I'm 50+ and not up on the scene for 20-somethings just starting out. But back when that was me I moved to NYC and the Village Voice (newspaper) was full of ads for roommates. That was how many young people expected to live, i.e., in small apartment shared with others. There's nothing wrong with that, it can even be fun; you're young, enjoy it. Isn't this still a common thing in high rent urban areas, the natural way of 20-something living?