OP for your full awareness (regarding finances) please see below if you are inclined to consider Bard. While Bard does not match your desire for an urban setting it does check the box for almost all of your other asks. The kids on campus also give off a very urban vibe.
So that is an example of merit awarded in the past and this is a current example of merit being awarded this application cycle…
This is the future commitment to offer merit directly from Bard…
Good luck OP!