LOL , don't sweet it bro. Your not the only one. I am in your position kindaa. well i am not paying 10 g'z , but 5...and i live in jersey (which i think is worse then NY?) I have a brand new car also.. I just try not to think about it, AT ALL.. lol its ok though i have it covered. just think 5 or 6 more years and it will be back to normal. don't dwell on it