<prompt> Human: Im graduating this spring with a job in TriBeCa making approx 52k pre tax and 2.5k for relocation, so I thought that I would be okay in the apartment search in the 1k rent range. I just came back from a meeting discussing how getting apartments actually works in New York, and now I think that my credit score and lack of savings is really screwing me over, and I am not sure what to is the best approach going forward. I missed 2 credit card payments over Xmas break 2013, because I wasnt able to work, and my credit is currently at about 89 utilization so my credit is around 570, really low. I closed a credit line earlier this month, as a sister was able to pay off her university laptop loan that I cosigned, and I can work the rest of the semester to maybe pay off my current balance, but I will still probably only get my score up to the lowmid 600s by grad. I keep reading that you need at least a 720 to get approved for a lease in New York, or have a guarantor, which I dont have my parents dont make much money. I was told insurgents guaranty would almost double my rent asking 85 or something and that my best recourse may be to offer 6 months rent upfront, but I have nowhere near that amount of money saved, I am completely a broke college student working and only able to pay for expenses, which is why I am where I am today, so I have no clue how I can still get a halfway decent apartment situation.I know I will have to find a roommate, but could they go through the credit check and I just avoid it? I think in that case only people I know would be comfortable with that, strangers would feel like Im a weirdo or something not wanting to be on the lease? I could sublet for a couple months and try and save up 6 months rent, but that itself would probably take me6 months and I would miss my window for classmatespotential roommates. Just wondering if anyone had advice for a new hire, because its not like I wont have the monthly income, I just dont have anything more than 2k from relocation funding upfront or a good credit score...  <response>: Yeah its tough. Your credit score is going to make most management companies turn you down straight away. Those that dont are going to ask onerous things like 3 months rent security and such. On top of that, you need to get to 40x net income for a primary and 80x for a guarantor. Your best bet is a shared apartment that is already rented where you wouldnt have to be on the lease. They exist, you just need to poke around.Youd probably also want to consider living in Jersey City or Queens or somewhere else more affordable and less competitive given your current financial situation. 1k goes about nowhere in Manhattan or most of Brooklyn. 