I think Jadey gave you some pretty good advice.
Me, personally I did everything you don't want to do, but it worked out well. I did move back home - nothing like free rent to cut down on the debt.
And I did take on more student loans to go back and get my Masters. (Just started yesterday, yay!)
AS for the boyfriend thing...I too am clueless how far apart Brooklyn and Long island are from each other....I actually thought they were close.. (maybe it's just that being Canadian everything in the states seems closer together)
I did do a long distance thing for 2 yrs when I was away at school...it was while i was dirt broke and could only go home for xmas and no other time, and he was broke too so only visited me once the first year and not at all the second. He didn't dump me til after I got back
I think the only thing that would have been different is we would've broken up a lot sooner if I was still in town cuz then I'd really get to know him better....Wheras you and your man already (i assume) have a solid foundation, so yeah it sucks you won't see each other every day, or even every week, but that won't last forever!
Just don't worry yourself too much...things will fall into place eventually....