Debt Capital Markets Backend role at a big bank subsidiary

Hey, I'm new to this forum and am extremely confused. I currently work in the compliance department of a large hedge fund and am paid well and stay in a pretty cheap city.

I recently got an offer to work with the Debt capital markets team at BofA which is a backend role for DCM Analysts in States. However, I require to take a 25% in my annual CTC and require to move in a much more expensive city.

I'm a 20months old graduate and have a feeling this is the last opportunity I'll get to move into core finance. I'm really confused as to if I should let this opportunity go and probably make a career in my current role or should take the offer which seems financially foolish?

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