You will not find a decent 1 bedroom apartment in ANY of the areas you mentioned, not even Jersey City Heights, for $ 100K.
Quote:
I am female 31, single, no kids, no pets (would love a pet friendly apt) and I would like to live in my own apartment for a few years (about 4-5) and then if need be move and rent the apartment - with that money i'm hoping to pay for my college loans quicker and also one day sell the apt and pay the the rest of my college loan off and hopefully buy another apt someday 
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Sorry, but I just do not think that game plan is realistic. Buying a condo and then renting it out for a positive cash flow "to pay off college loans" has not been workable for a while.
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