Need help with offer decision

What to do with my offer? Accept or Reject?

Hello everyone, I got an offer at a regional IB/AM shop. The offer was lower than I expected at 65k. Hours seem to be relatively chill, doesn’t seem like a sweatshop. I am in a HCOL think 20 mile radius around Boston MA. Should I accept or reject the offer? I’m worried about quality of life when I start if I accept. I have no other options at the moment and graduating in May so any advice would be appreciated.

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