Well, if you don't live home, you'll have to pay for a room "somewhere" (crashpad or hotel) at your base, you can't wait on the street for Crew scheduling to call you... That being said, tons of flight attendants commute to work - it's easier once you have a line. Once in a while, you still need to get a room because your trip is starting too early in the morning to be there on time/returning too late to fly back home.
You might want to keep an eye on Delta, since they offer less reserve days (A days); and they do have a NYC base.
Also, I would take time to calculate how much will be left in your pocket after you pay for your meals, uniform, etc. Young flight attendants do not have a lot of leftover money, unless they get help from their spouse/parents. There is nothing wrong in wanting to pay your student loan as soon as possible, but doing it in 3 years instead of 2 isn't bad - and leaves you a little pocket money to enjoy the good sides of the job!
I think a few regionals are hiring in your area. Good luck.