If you apply early decision to NYU, your parents, school counselor, and you will need to sign the ED agreement which basically says that if you are admitted, you WILL attend. You are expected to do your due diligence regarding costs before you send an ED application. Which is binding.
If your parents won’t pay the $90,000 or so a year for NYU, then you really can’t agree to this…right? You say your one parent is a doctor and the other works as well. I believe NYU also considers primary home equity which in CA can be quite high.
Think twice before you apply ED.
What was your PSAT score?