NYC/NJ Guys...advice?

[BC69]

So I have signed my contract to begin life as an Investment Banker this summer after graduation in NYC, and therefore I need to move down there.

Although I will make a great salary, I am in masssivveee student loan debt, so I think living in Manhattan is off the table, and I am going to look at Brooklyn, Jersey City, and Hoboken instead. I am working off Wall St, so I want to be downtown or across the river from downtown.

What I am trying to figure out is what are the "nicer" areas of JC, Hoboken, and Brooklyn. I know there are alot of neighborhoods and I don't know the difference? Any other recommendation on nicer/cheap places to look for apt?

Thanks!

Tim