I'll prob cancel need to see what penalty is maybe 3-6m interest which is fie if it auto does it for me

Thanks for clarifying!

Thanks for the clarification initial thought about apy rate being the rate I earned at end of term is correct

When researching to confirm I thought APY was the percent of how much I would get as interest into my account. But online says the APY is how much interest would be charged to me if I were to withdraw early. So say a 12m is offering 4.15% APY I thought that's the amount I'd get back so 100->104.15 end of month VS it being if I need to withdraw it'll be 100-> 95.85 I'd get back

Find a cheaper place and just rent. It'll be cheaper and give you time to focus on yourself and career.

Social life? If your budgeting and trying to save as much money as possible. That means trying your best NOT to go out. Or if you do hopefully it's doing something free or cheap like going for a hike with buds and then grabbing a quick bite at mcds, doesn't mean stuff like yah let's go see a movie every week and get snacks and then after eat at a restaurant.

If your moving out of country your car will be useless